424 Addison St, Elgin, IL 60120 Property Records

Kane County property record for 424 Addison St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,461 sqft · built 1890
Lot Size	0.203 acres (8,840 sqft)
Owner	2 Individual Names on Record
Last Sale	$175,000 (Nov 2019)
Tax Bill	$5,060 (2025)
Deeds & Mortgages	Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-13-132-020`

Property Details

APN / Parcel Number

Primary APN	`06-13-132-020`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	5 Stories
Building Area	1,461 sqft Living Area
Gross Area	1,893 sqft
Basement Area	432 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Construction Type	Frame
Foundation Type	Raised
Lot Area	8,840 sqft (0.203 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	Hot Water
Water Source	Commercial

Location & Zoning

Street Address	424 ADDISON ST
City	ELGIN
State	IL
Zip	60120-4435
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAKWOOD ADDN LOT 6 BLOCK 1
Legal Subdivision	OAKWOOD ADDN
Legal Block	1
Legal Lot Number	6
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1001
Census Tract	851301

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	2 Individual Names on Record
Mailing Address	424 ADDISON ST, ELGIN, IL 60120-4435
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2019 · Amount on Record
Deed Sale	Nov 12, 2019 · Amount on Record
Prior Sale	Jun 13, 2012
Deed Document Number	201954588
Record Updated	Oct 29, 2026

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Nov 12, 2019
Property Address	424 ADDISON ST, ELGIN, IL 60120-4435
Document Number	0000054588
Instrument Date	Nov 8, 2019
Instrument	54588
Transaction Type	Transfer
Record Updated	Nov 21, 2019
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$262.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	212 GREENBRIAR LN STREAMWOOD IL 601071213, STREAMWOOD, IL 60107-1213

Mortgage

Document Number	54589
Date	Nov 12, 2019
Instrument	54589

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	SAUSALITO, CA 94965

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 11, 2049

Interest

Rate Type	Fixed Rate
Rate	3.99%

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	$5,060.00 (+15.79%) Homeowner's exemption	$74,334 (+8.57%) Land $14,579 Building $59,755	$223,091 (+8.57%) Land $43,755 Building $179,337
2024		$68,466 (+21.39%) Land $13,428 Building $55,038	$205,480 (+21.44%) Land $40,300 Building $165,180
2022	$4,370.00 (+4.82%) Homeowner's exemption	$56,400 (+6.96%) Land $11,061 Building $45,339	$169,200 (+6.96%) Land $33,183 Building $136,017
2021	$4,169.00 Homeowner's exemption	$52,730 Land $10,341 Building $42,389	$158,190 Land $31,023 Building $127,167

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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