415 Park St, Elgin, IL 60120 Property Records

Kane County property record for 415 Park St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,798 sqft · built 1927
Lot Size	0.155 acres (6,745 sqft)
Owner	Individual Name on Record
Last Sale	$255,000 (Mar 2022)
Tax Bill	$6,899 (2025)
Deeds & Mortgages	Mar 2022 Sale & Line of Credit Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-13-177-002`

Property Details

APN / Parcel Number

Primary APN	`06-13-177-002`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,798 sqft Living Area
Gross Area	2,733 sqft
Basement Area	935 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Construction Type	Frame
Lot Area	6,745 sqft (0.155 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	415 PARK ST
City	ELGIN
State	IL
Zip	60120-4422
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	B W RAYMONDS ADDN NORTH 1/2 OF LOT 11 LYING NORTH OF NORTH ST EXCEPT WEST 127 FT THEREOF & NORTH 1/2 WEST 1/2 LOT 12
Legal Subdivision	B W RAYMONDS ADDN
Legal Block	1
Legal Lot Number	11
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 23, 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	659 WELCH ST, GILBERTS, IL 60136-8909
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2022	Warranty Deed, Transfer · Line of Credit HOMETOWN EQUITY MORTGAGE
Mar 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage ALLY BANK
Jan 20, 2017	Warranty Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 9, 2022 · Amount on Record
Deed Sale	Mar 9, 2022 · Amount on Record
Prior Sale	Jan 20, 2017 · Amount on Record
Deed Document Number	202213236
Prior Transfer Date	Nov 18, 2016
Prior Transfer Doc	0000068943
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Mar 9, 2022
Property Address	415 PARK ST, ELGIN, IL 60120-4422
Document Number	0000013236
Instrument Date	Feb 9, 2022
Instrument	2022K013236
Transaction Type	Transfer
Record Updated	Mar 16, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$255.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	659 WELCH ST, GILBERTS, IL 60136-8909

Mortgage

Document Number	0000013237
Date	Mar 9, 2022
Instrument	2022K013237

Lender

Name	HOMETOWN EQUITY MORTGAGE
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

Interest

Rate	4.37%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	415 PARK ST, ELGIN, IL 60120-4422
Transaction Type	Mortgage
Record Updated	Apr 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021287
Date	Mar 18, 2021
Instrument	2021K021287

Lender

Name	ALLY BANK
Type	Bank
Address	CHARLOTTE, NC 28202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.12%

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 20, 2017
Property Address	415 PARK ST, ELGIN, IL 60120-4422
Document Number	0000003663
Instrument Date	Jan 5, 2017
Instrument	2017K003663
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	BAIRD & WARNER TITLE SVCS IN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$135.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3244 RAINTREE DR, 3244, NEWBURGH, IN 47630-8310

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	618 BUCKSKIN LANE, KANE, IL 00000

Mortgage

Document Number	0000003664
Date	Jan 20, 2017
Instrument	2017K003664

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

Interest

Rate	3.87%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of July 23, 2026

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	$6,899.00 (+27.08%)	$90,432 (+8.57%) Land $14,887 Building $75,545	$271,405 (+8.57%) Land $44,679 Building $226,726
2024		$83,294 (+21.39%) Land $13,712 Building $69,582	$249,982 (+21.44%) Land $41,152 Building $208,830
2022	$5,429.00 (+4.67%) Homeowner's exemption	$68,615 (+6.96%) Land $11,296 Building $57,319	$205,845 (+6.96%) Land $33,888 Building $171,957
2021	$5,187.00 Homeowner's exemption	$64,150 Land $10,561 Building $53,589	$192,450 Land $31,683 Building $160,767

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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