428 Fulton St, Elgin, IL 60120 Property Records

Kane County property record for 428 Fulton St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,252 sqft · built 1900
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on File
Last Sale	$305,000 (Sep 2021)
Tax Bill	$7,270 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage May 2021 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`06-13-330-019`

Property Details

APN / Parcel Number

Primary APN	`06-13-330-019`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,252 sqft Living Area
Gross Area	3,419 sqft
Basement Area	1,167 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Victorian
Construction Type	Frame
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Window A/C
Water Source	Commercial

Location & Zoning

Street Address	428 FULTON ST
City	ELGIN
State	IL
Zip	60120-6638
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JAMES T GIFFORDS ADD ELY 58.5 FT SLY 1/2 ROD LOT 3 WLY 1 ROD LOT 9 & ELY 58.5 FT LOT 8 BLK 3
Legal Subdivision	JAMES T GIFFORDS ADD
Legal Block	2
Legal Lot Number	3,9,8
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2004
Census Tract	851301

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 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.

Owner

428 Fulton St is owned and occupied by an individual who bought it in September 2021.

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

Owner of Record	Individual Name on File
Mailing Address	428 FULTON ST, ELGIN, IL 60120-6638
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2021	Warranty Deed, Transfer · Conventional Mortgage CIBC BANK USA
May 27, 2021	Sheriff's Deed, Foreclosure FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2021 · Amount on File
Deed Sale	Sep 21, 2021 · Amount on File
Prior Sale	May 27, 2021 · Amount on File
Deed Document Number	202171693
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 21, 2021
Property Address	428 FULTON ST, ELGIN, IL 60120-6638
Document Number	0000071693
Instrument Date	Sep 10, 2021
Instrument	2021K071693
Transaction Type	Transfer
Record Updated	Sep 30, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$305.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	558 N MCLEAN BLVD, 558, ELGIN, IL 60123-3242

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1705 SOUTLT TRAINER, ROCKFORD, IL 61108

Mortgage

Document Number	0000071694
Date	Sep 21, 2021
Instrument	2021K071694

Lender

Name	CIBC BANK USA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.37%

Mortgage

Document Number	0000071695
Date	Sep 21, 2021
Instrument	2021K071695

Lender

Name	ILLINOIS HOUSING DEVELOPMENT AUTHORITY
Type	Government Agency
Address	CHICAGO, IL 60601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

May 2021: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	KANE IL
Recording Date	May 27, 2021
Property Address	428 FULTON ST, ELGIN, IL 60120-6638
Document Number	0000041042
Instrument Date	Mar 24, 2021
Instrument	2021K041042
Transaction Type	Foreclosure
Record Updated	Jun 11, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Tax	$169.00
Amount Accuracy	Rounded by County
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	558 N MCLEAN BLVD, ELGIN, IL 60123-3242

Tax Assessment & Valuation

The 2025 property tax bill for 428 Fulton St was $7,270 with a homeowner's exemption.

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	$7,270.00 Homeowner's exemption	$103,306 (+8.57%) Land $17,650 Building $85,656	$310,042 (+8.57%) Land $52,971 Building $257,071
2024		$95,152 Land $16,257 Building $78,895	$285,570 Land $48,791 Building $236,780
2022	$6,276.00 (+4.57%) Homeowner's exemption	$78,383 (+6.96%) Land $13,392 Building $64,991	$235,149 (+6.96%) Land $40,176 Building $194,973
2021	$6,002.00 Homeowner's exemption	$73,283 Land $12,521 Building $60,762	$219,849 Land $37,563 Building $182,286

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

FEMA maps place 428 Fulton St in Zone X, an area of minimal flood risk.

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

The area around 428 Fulton St has no burnable land within ember reach, so its wildfire risk is not rated.

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 545 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Fox Valley Internet Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile, Verizon.

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