419 N Commonwealth Ave, Elgin, IL 60123 Property Records

Kane County property record for 419 N Commonwealth Ave, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,833 sqft · built 1948
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$285,000 (Jun 2021)
Tax Bill	$7,428 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-11-360-002`

Property Details

APN / Parcel Number

Primary APN	`06-11-360-002`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,833 sqft Living Area
Gross Area	3,282 sqft
1st Floor Area	1,833 sqft
Basement Area	1,449 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Exterior Material	Brick
Foundation Type	No Foundation
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Detached
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	419 N COMMONWEALTH AVE
City	ELGIN
State	IL
Zip	60123-3417
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ARTHUR R LEVINES 4TH SUB LOT 1
Legal Subdivision	ARTHUR R LEVINES 4TH SUB
Legal Block	3
Legal Lot Number	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3008
Census Tract	851102

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	2 Individual Names on Record
Mailing Address	419 N COMMONWEALTH AVE, ELGIN, IL 60123-3417
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2021	Warranty Deed, Transfer · Conventional Mortgage BMO HARRIS BANK NA
Jan 4, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage CMG MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2021 · Amount on Record
Deed Sale	Jun 15, 2021 · Amount on Record
Prior Sale	Apr 27, 2010 · Amount on Record
Deed Document Number	202145563
Prior Transfer Date	Mar 15, 1996
Prior Transfer Doc	0000023149
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 15, 2021
Property Address	419 N COMMONWEALTH AVE, ELGIN, IL 60123-3417
Document Number	0000045563
Instrument Date	Jun 2, 2021
Instrument	2021K045563
Transaction Type	Transfer
Record Updated	Jun 30, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$285.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	419 N COMMONWEALTH AVE, ELGIN, IL 60123-3417

Mortgage

Document Number	0000045564
Date	Jun 15, 2021
Instrument	2021K045564

Lender

Name	BMO HARRIS BANK NA
Type	Bank

Agreement

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

Interest

Rate	3.37%

January 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Jan 4, 2017
Property Address	419 N COMMONWEALTH AVE, ELGIN, IL 60123-3417
Document Number	0000000588
Instrument Date	Nov 18, 2016
Instrument	2017K000588
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	NATIONAL TITLE SOLUTUIONS IN

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	419 N COMMNWATH AVE, 419, ELGIN, IL 60123

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	419 N COMMONWEALTH AVE, ELGIN, IL 60123-3417

Mortgage

Document Number	0000000589
Date	Jan 4, 2017
Instrument	2017K000589

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Dec 1, 2031

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	$7,428.00 (+15.85%) Homeowner's exemption	$105,377 (+8.57%) Land $23,511 Building $81,866	$316,258 (+8.57%) Land $70,561 Building $245,696
2024		$97,059 (+21.39%) Land $21,655 Building $75,404	$291,294 (+21.44%) Land $64,991 Building $226,303
2022	$6,412.00 (+4.55%) Homeowner's exemption	$79,954 (+6.96%) Land $17,839 Building $62,115	$239,862 (+6.96%) Land $53,517 Building $186,345
2021	$6,133.00 Homeowner's exemption	$74,751 Land $16,678 Building $58,073	$224,253 Land $50,034 Building $174,219

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1982)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 1982 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 382 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
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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