Kane County property record for 428 Division St, Elgin, IL 60120
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,682 sqft · built 1900 |
| Lot Size | 0.133 acres (5,808 sqft) |
| Owner | Individual Name on File |
| Last Sale | $200,000 (Feb 2022) |
| Tax Bill | $4,405 (2025) |
| Deeds & Mortgages | Sep 2023 Second Mortgage Feb 2024 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-13-181-007 |
| Primary APN | 06-13-181-007 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,682 sqft Living Area |
| Gross Area | 2,362 sqft |
| Basement Area | 680 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Lot Area | 5,808 sqft (0.133 acres) |
| Lot Dimensions | 132 ft deep x 44 ft wide |
| Street Address | 428 DIVISION ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-5451 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HINSDELLS ADDN WEST 44 FT EAST 88 FT OF LOTS 8 & 9 BLOCK 1 |
| Legal Subdivision | HINSDELLS ADDN |
| Legal Block | 1 |
| Legal Lot Number | 8,9 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 851301 |
Source: Kane County records · APN 06-13-181-007
Assessment roll updated December 26, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 428 DIVISION ST, ELGIN, IL 60120-5451 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 12, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FREEDOM MORTGAGE CORP |
| Feb 20, 2024 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Oct 17, 2025 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Dec 26, 2024 | Deed of Trust, Mortgage · FHA Mortgage NBKC BANK |
| Feb 14, 2022 | Warranty Deed, Transfer · FHA Mortgage MIDWEST COMMUNITY BANK |
| Jan 03, 2018 | Trustee's Deed, Foreclosure · Conventional Mortgage WINTRUST MORTGAGE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 14, 2022 · Amount on Record |
| Deed Sale | Feb 14, 2022 · Amount on Record |
| Prior Sale | Jan 03, 2018 · Amount on Record |
| Deed Document Number | 20228401 |
| Prior Transfer Date | Nov 04, 1998 |
| Prior Transfer Doc | 0000077436 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 428 DIVISION ST, ELGIN, IL 60120-5451 |
| Transaction Type | Mortgage |
| Record Updated | Apr 02, 2026 |
| Name | Verified Name |
|---|---|
| Address | 428 DIVISION ST, ELGIN, IL 60120-5451 |
| Document Number | 0000031831 |
|---|---|
| Date | Sep 12, 2023 |
| Instrument | 2023K031831 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 340 Months |
| Due | Jan 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 428 DIVISION ST, ELGIN, IL 60120-5451 |
| Transaction Type | Mortgage |
| Record Updated | Apr 02, 2026 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 428 DIVISION ST, ELGIN, IL 60120-5451 |
| Document Number | 0000005263 |
|---|---|
| Date | Feb 20, 2024 |
| Instrument | 2024K005263 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 335 Months |
| Due | Jan 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 428 DIVISION ST, ELGIN, IL 60120-5451 |
| Transaction Type | Mortgage |
| Record Updated | Apr 02, 2026 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 428 DIVISION ST, ELGIN, IL 60120-5451 |
| Document Number | 0000040764 |
|---|---|
| Date | Oct 17, 2025 |
| Instrument | 2025K040764 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | FISHERS, IN 46037 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 428 DIVISION ST, ELGIN, IL 60120-5451 |
| Transaction Type | Mortgage |
| Record Updated | Apr 02, 2026 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 428 DIVISION ST, ELGIN, IL 60120-5451 |
| Document Number | 0000047834 |
|---|---|
| Date | Dec 26, 2024 |
| Instrument | 2024K047834 |
| Name | NBKC BANK |
|---|---|
| Type | Bank |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 325 Months |
| Due | Jan 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Feb 14, 2022 |
| Property Address | 428 DIVISION ST, ELGIN, IL 60120-5451 |
| Document Number | 0000008401 |
| Instrument Date | Dec 17, 2021 |
| Instrument | 2022K008401 |
| Transaction Type | Transfer |
| Record Updated | Feb 21, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $200.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 428 DIVISION ST, ELGIN, IL 60120-5451 |
| Document Number | 0000008402 |
|---|---|
| Date | Feb 14, 2022 |
| Instrument | 2022K008402 |
| Name | MIDWEST COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jan 01, 2052 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jan 03, 2018 |
| Property Address | 428 DIVISION ST, ELGIN, IL 60120-5451 |
| Document Number | 0000000495 |
| Instrument Date | Dec 29, 2017 |
| Instrument | 2018K000495 |
| Transaction Type | Foreclosure |
| Record Updated | Jul 27, 2021 |
| Title Company | CHICAGO TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $130.00 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 428 DIVISION ST, ELGIN, IL 60120-5451 |
| Document Number | 0000000496 |
|---|---|
| Date | Jan 03, 2018 |
| Instrument | 2018K000496 |
| Name | WINTRUST MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2048 |
Source: Kane County records · Assessment roll updated December 26, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,405.00 (+26.29%) Homeowner's exemption | ||
| 2024 | $60,557 (+31%) Land $11,701 Building $48,856 | $181,744 (+31.05%) Land $35,117 Building $146,627 | |
| 2022 | $3,488.00 (+5.06%) Homeowner's exemption | $46,226 (+6.96%) Land $9,639 Building $36,587 | $138,678 (+6.96%) Land $28,917 Building $109,761 |
| 2021 | $3,320.00 Homeowner's exemption | $43,218 Land $9,012 Building $34,206 | $129,654 Land $27,036 Building $102,618 |
Source: FEMA National Flood Hazard Layer, Kane County (17089C), as of October 8, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 2026
| Historic District | Within the Elgin Historic District listed 1983 · 327 contributing resources · NRIS 83000318 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Radiate Holdings Cable · Fiber in parts of the area | 1,500 / 50 |
| Opiquad Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
May also be available: T-Mobile USA, Verizon.
Based on FCC filings for 545 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system IL0894380, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ELGIN serves 114,797 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | 19 ppb (2026) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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