420 W Amberside Dr, Elgin, IL 60124 Property Records

Kane County property record for 420 W Amberside Dr, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,135 sqft · built 2010
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Company Names on Record
Last Sale	$297,500 (Jan 2011)
Tax Bill	$12,327 (2025)
Deeds & Mortgages	Nov 2018 Second Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-07-471-006`

Property Details

APN / Parcel Number

Primary APN	`06-07-471-006`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,135 sqft Living Area
Gross Area	4,613 sqft
Basement Area	1,478 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Construction Type	Frame
Lot Area	14,810 sqft (0.34 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	420 W AMBERSIDE DR
City	ELGIN
State	IL
Zip	60124-7860
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FOY PROPERTY LT 29
Legal Subdivision	FOY PROPERTY
Legal Block	4
Legal Lot Number	29
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4016
Census Tract	851904

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 Company Names on Record
Mailing Address	420 W AMBERSIDE DR, ELGIN, IL 60124-7860
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2018	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DIGITAL FCU
May 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage WINTRUST MORTGAGE
Sep 1, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 11, 2011 · Amount on Record
Deed Sale	Jan 11, 2011 · Amount on Record
Prior Sale	Sep 27, 2010 · Amount on Record
Deed Document Number	20112712
Last Transfer Date	Aug 14, 2020
Transfer Doc	0000049873
Record Updated	Oct 29, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	420 W AMBERSIDE DR, ELGIN, IL 60124-7860
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000055239
Date	Nov 13, 2018
Instrument	2018K055239

Lender

Name	DIGITAL FCU
Type	Credit Union
Address	MARLBOROUGH, MA 01752

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Nov 1, 2023

Interest

Rate Type	Fixed Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	420 W AMBERSIDE DR, ELGIN, IL 60124-7860
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000026749
Date	May 26, 2020
Instrument	2020K026749

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2030

Interest

Rate Type	Fixed Rate
Rate	3.12%

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Sep 1, 2020
Property Address	420 W AMBERSIDE DR, ELGIN, IL 60124-7860
Document Number	0000049873
Instrument Date	Aug 14, 2020
Instrument	49873
Transaction Type	Transfer
Record Updated	Sep 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	420 W AMBERSIDE DR ELGIN IL 601247860, ELGIN, IL 60124-7860

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	Central Community Unit School District 301 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,327.00 (+7.67%) Homeowner's exemption	$165,760 (+8.57%) Land $44,049 Building $121,711	$497,479 (+8.57%) Land $132,200 Building $365,279
2024		$152,676 (+21.39%) Land $40,572 Building $112,104	$458,211 (+21.44%) Land $121,765 Building $336,447
2022	$11,449.00 (+3.39%) Homeowner's exemption	$125,769 (+7.18%) Land $33,422 Building $92,347	$377,307 (+7.18%) Land $100,266 Building $277,041
2021	$11,074.00 Homeowner's exemption	$117,339 Land $31,247 Building $86,092	$352,017 Land $93,741 Building $258,276

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2000)
Most Recent Claim	Jun 2000

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	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 74 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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