422 W Amberside Dr, Elgin, IL 60124 Property Records

Kane County property record for 422 W Amberside Dr, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,661 sqft · built 2010
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on Record
Last Sale	$280,000 (Jul 2015)
Tax Bill	$11,974 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Jun 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-07-471-007`

Property Details

APN / Parcel Number

Primary APN	`06-07-471-007`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,661 sqft Living Area
Gross Area	4,016 sqft
Basement Area	1,355 sqft

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Construction Type	Frame
Lot Area	13,068 sqft (0.3 acres)
Lot Width	80 ft Width
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	422 W AMBERSIDE DR
City	ELGIN
State	IL
Zip	60124-7860
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FOY PROPERTY LT 28
Legal Subdivision	FOY PROPERTY
Legal Block	4
Legal Lot Number	28
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 21, 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	422 W AMBERSIDE DR, ELGIN, IL 60124-7860
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 13, 2019	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2015 · Amount on Record
Deed Sale	Jul 6, 2015 · Amount on Record
Prior Sale	Sep 13, 2010 · Amount on Record
Deed Document Number	201534857
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	422 W AMBERSIDE DR, ELGIN, IL 60124-7860
Transaction Type	Mortgage
Record Updated	Dec 21, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000091377
Date	Dec 8, 2021
Instrument	2021K091377

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jan 1, 2032

Interest

Rate Type	Fixed Rate
Rate	2.7%

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	422 W AMBERSIDE DR, ELGIN, IL 60124-7860
Transaction Type	Mortgage
Record Updated	Jul 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024563
Date	Jun 13, 2019
Instrument	2019K024563

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 27, 2049

Interest

Rate Type	Adjustable Rate
Rate	6.26%
Change Frequency	Monthly

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	Central Community Unit School District 301 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,974.00 (+7.68%) Homeowner's exemption
2024		$148,196 (+21.39%) Land $40,572 Building $107,624	$444,766 (+21.44%) Land $121,765 Building $323,001
2022	$11,120.00 (+3.38%) Homeowner's exemption	$122,079 (+6.96%) Land $33,422 Building $88,657	$366,237 (+6.96%) Land $100,266 Building $265,971
2021	$10,756.00 Homeowner's exemption	$114,135 Land $31,247 Building $82,888	$342,405 Land $93,741 Building $248,664

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.

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 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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