414 North St, Elgin, IL 60120 Property Records

Kane County property record for 414 North St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 940 sqft · built 1920
Lot Size	0.98 acres (4,275 sqft)
Owner	Individual Name on Record
Last Sale	$140,000 (Aug 2019)
Tax Bill	$3,479 (2025)
Deeds & Mortgages	Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-13-177-010`

Property Details

APN / Parcel Number

Primary APN	`06-13-177-010`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	940 sqft Living Area
Gross Area	1,880 sqft
1st Floor Area	940 sqft
Basement Area	940 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Bungalow
Exterior Material	Stucco
Construction Type	Frame
Lot Area	4,275 sqft (0.98 acres)
Lot Dimensions	95 ft deep x 45 ft wide
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Window A/C
Water Source	Commercial

Location & Zoning

Street Address	414 NORTH ST
City	ELGIN
State	IL
Zip	60120-5632
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	B W RAYMONDS ADDN EAST 25 FT SOUTH 1/2 11 & WEST 20 FT SOUTH 1/2 LOT 12
Legal Subdivision	B W RAYMONDS ADDN
Legal Block	1
Legal Lot Number	12
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1007
Census Tract	851301

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Elgin Historic District listed 1983 · 327 contributing resources · NRIS 83000318

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Kane County records, as of July 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	414 NORTH ST, ELGIN, IL 60120-5632
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 12, 2019 · Amount on Record
Deed Sale	Aug 12, 2019 · Amount on Record
Prior Sale	Aug 15, 2013 · Amount on Record
Deed Document Number	201935969
Record Updated	Sep 20, 2026

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 12, 2019
Property Address	414 NORTH ST, ELGIN, IL 60120-5632
Document Number	0000035969
Instrument Date	Jul 31, 2019
Instrument	2019K035969
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	GREATER MIDWEST TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$140.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 NORTH ST, ELGIN, IL 60120-5632

Mortgage

Document Number	0000035971
Date	Aug 12, 2019
Instrument	2019K035971

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

Interest

Rate Type	Fixed Rate
Rate	5.12%

Mortgage

Document Number	0000035970
Date	Aug 12, 2019
Instrument	2019K035970

Lender

Name	ILLINOIS HOUSING DEVELOPMENT AUTHORITY
Type	Government Agency
Address	CHICAGO, IL 60601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 2025

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	Elgin Township
Municipality	Elgin City
Unified School District	School District U-46 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,479.00 (+15.74%) Homeowner's exemption
2024		$49,377 (+21.39%) Land $9,237 Building $40,140	$148,190 (+21.44%) Land $27,722 Building $120,468
2022	$3,006.00 (+5.22%) Homeowner's exemption	$40,675 (+6.96%) Land $7,609 Building $33,066	$122,025 (+6.96%) Land $22,827 Building $99,198
2021	$2,857.00 Homeowner's exemption	$38,028 Land $7,114 Building $30,914	$114,084 Land $21,342 Building $92,742

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 8, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ELGIN serves 114,797 people · EPA ID IL0894380
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	19 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	8 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 625 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Fox Valley Internet, T-Mobile.

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