422 N Commonwealth Ave, Elgin, IL 60123 Property Records

Kane County property record for 422 N Commonwealth Ave, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,658 sqft · built 1928
Lot Size	0.217 acres (9,470 sqft)
Owner	Individual Name on Record
Last Sale	$217,000 (Nov 2017)
Tax Bill	$7,206 (2025)
Deeds & Mortgages	Jun 2017 Sale & Mortgage Nov 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`06-11-356-012`

Property Details

APN / Parcel Number

Primary APN	`06-11-356-012`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	5 Stories
Building Area	1,658 sqft Living Area
Gross Area	2,763 sqft
Basement Area	1,105 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	9,470 sqft (0.217 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	422 N COMMONWEALTH AVE
City	ELGIN
State	IL
Zip	60123-3418
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GREENACRES LOT 7 BLOCK 5
Legal Subdivision	GREENACRES
Legal Block	5
Legal Lot Number	7
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3006
Census Tract	851102

Owner

Source: Kane County records, as of July 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	422 N COMMONWEALTH AVE, ELGIN, IL 60123-3418
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2017	Warranty Deed, Transfer · FHA Mortgage PEOPLES HM EQUITY
Nov 29, 2017	Warranty Deed CHICAGO TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 29, 2017 · Amount on Record
Deed Sale	Nov 29, 2017 · Amount on Record
Prior Sale	Jun 23, 2017 · Amount on Record
Deed Document Number	201762146
Prior Transfer Date	Jun 10, 2003
Prior Transfer Doc	0000128040
Record Updated	Oct 29, 2026

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 23, 2017
Property Address	422 N COMMONWEALTH AVE, ELGIN, IL 60123-3418
Document Number	0000032267
Instrument Date	May 31, 2017
Instrument	32267
Transaction Type	Transfer
Record Updated	Jul 19, 2017
Title Company	FOX TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$325.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	422 N COMMONWEALTH AVE ELGIN IL 601233418, ELGIN, IL 60123-3418

Mortgage

Document Number	32268
Date	Jun 23, 2017
Instrument	32268

Lender

Name	PEOPLES HM EQUITY
Type	Funding / Finance Company
Address	BRENTWOOD, TN 37027

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 22, 2047

Interest

Rate Type	Fixed Rate
Rate	4.5%

November 2017: Warranty Deed

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Nov 29, 2017
Property Address	422 N COMMONWEALTH AVE, ELGIN, IL 60123-3418
Document Number	0000062146
Instrument Date	May 31, 2017
Instrument	62146
Record Updated	Jan 3, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$325.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	422 N COMMONWEALTH AVE ELGIN IL 601233418, ELGIN, IL 60123-3418

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	$7,206.00 (+15.85%) Homeowner's exemption	$102,456 (+8.57%) Land $25,391 Building $77,065	$307,491 (+8.57%) Land $76,203 Building $231,288
2024		$94,369 (+21.39%) Land $23,387 Building $70,982	$283,220 (+21.44%) Land $70,189 Building $213,031
2022	$6,220.00 (+4.57%) Homeowner's exemption	$77,738 (+6.96%) Land $19,265 Building $58,473	$233,214 (+6.96%) Land $57,795 Building $175,419
2021	$5,948.00 Homeowner's exemption	$72,679 Land $18,011 Building $54,668	$218,037 Land $54,033 Building $164,004

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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