429 Raymond St, Elgin, IL 60120 Property Records

Kane County property record for 429 Raymond St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,040 sqft · built 1939
Lot Size	0.211 acres (9,189 sqft)
Owner	Individual Name on Record
Last Sale	$190,000 (Feb 2021)
Tax Bill	$5,224 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-24-203-013`

Property Details

APN / Parcel Number

Primary APN	`06-24-203-013`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,040 sqft Living Area
Gross Area	2,080 sqft
1st Floor Area	1,040 sqft
Basement Area	1,040 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Exterior Material	Brick
Lot Area	9,189 sqft (0.211 acres)
Lot Dimensions	133 ft deep x 69 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	429 RAYMOND ST
City	ELGIN
State	IL
Zip	60120-7844
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHERMANS ADDN NORTHERLY 69.3 FT WEST 132.6 FT LOT 6 BLOCK 4
Legal Subdivision	SHERMANS ADDN
Legal Block	4
Legal Lot Number	6
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4004
Census Tract	851400

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	Individual Name on Record
Mailing Address	429 RAYMOND ST, ELGIN, IL 60120-7844
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2021	Warranty Deed, Transfer · FHA Mortgage STEARNS LENDING LLC
May 15, 2018	Warranty Deed, Transfer · Conventional with PMI GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 18, 2021 · Amount on Record
Deed Sale	Feb 18, 2021 · Amount on Record
Prior Sale	May 15, 2018 · Amount on Record
Deed Document Number	202113192
Record Updated	Sep 20, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Feb 18, 2021
Property Address	429 RAYMOND ST, ELGIN, IL 60120-7844
Document Number	0000013192
Instrument Date	Nov 4, 2020
Instrument	2021K013192
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$190.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	429 RAYMOND ST, ELGIN, IL 60120-7844

Mortgage

Document Number	0000013193
Date	Feb 18, 2021
Instrument	2021K013193

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Dec 1, 2050

Interest

Rate	2.62%

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 15, 2018
Property Address	429 RAYMOND ST, ELGIN, IL 60120-7844
Document Number	0000022456
Instrument Date	May 11, 2018
Instrument	22456
Transaction Type	Transfer
Record Updated	May 29, 2018
Title Company	GREATER METROPOLITAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$225.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	429 RAYMOND ST ELGIN IL 601207844, ELGIN, IL 60120-7844

Mortgage

Document Number	22457
Date	May 15, 2018
Instrument	22457

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 14, 2048

Interest

Rate Type	Fixed Rate
Rate	5.25%

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	School District U-46 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,224.00 (+15.81%) Homeowner's exemption
2024		$70,441 (+21.39%) Land $12,910 Building $57,531	$211,408 (+21.44%) Land $38,745 Building $172,662
2022	$4,511.00 (+4.81%) Homeowner's exemption	$58,027 (+6.96%) Land $10,635 Building $47,392	$174,081 (+6.96%) Land $31,905 Building $142,176
2021	$4,304.00 Homeowner's exemption	$54,251 Land $9,943 Building $44,308	$162,753 Land $29,829 Building $132,924

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 515 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
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Fox Valley Internet, T-Mobile.

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