431 Addison St, Elgin, IL 60120 Property Records

Kane County property record for 431 Addison St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,300 sqft · built 1950
Lot Size	0.203 acres (8,840 sqft)
Owner	Individual Name on Record
Last Sale	$197,000 (Jun 2020)
Tax Bill	$6,422 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage Nov 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`06-13-133-012`

Property Details

APN / Parcel Number

Primary APN	`06-13-133-012`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,300 sqft Living Area
Gross Area	2,600 sqft
1st Floor Area	1,300 sqft
Basement Area	1,300 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Construction Type	Frame
Lot Area	8,840 sqft (0.203 acres)
Garage Type	Detached
Parking Spaces	3 Parking Spaces

Location & Zoning

Street Address	431 ADDISON ST
City	ELGIN
State	IL
Zip	60120-4434
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAKWOOD ADDN LOT 7 BLOCK 2
Legal Subdivision	OAKWOOD ADDN
Legal Block	2
Legal Lot Number	7
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1006
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	Individual Name on Record
Mailing Address	431 ADDISON ST, ELGIN, IL 60120-4434
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2020	Warranty Deed, Transfer · FHA Mortgage VAN DYK MORTGAGE CORP
Nov 22, 2019	Warranty Deed, Transfer FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2020 · Amount on Record
Deed Sale	Jun 1, 2020 · Amount on Record
Prior Sale	Nov 22, 2019 · Amount on Record
Deed Document Number	202027863
Record Updated	Oct 29, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 1, 2020
Property Address	431 ADDISON ST, ELGIN, IL 60120-4434
Document Number	0000027863
Instrument Date	May 18, 2020
Instrument	2020K027863
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$197.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2021 VALLEY CREEK DR, 2021, ELGIN, IL 60123-2687

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 ADDISON ST, ELGIN, IL 60120-4434
Investor	Possibly a Property Investor

Mortgage

Document Number	0000027864
Date	Jun 1, 2020
Instrument	2020K027864

Lender

Name	VAN DYK MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.25%

Mortgage

Document Number	0000027865
Date	Jun 1, 2020
Instrument	2020K027865

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Index	3-Month LIBOR

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Nov 22, 2019
Property Address	431 ADDISON ST, ELGIN, IL 60120-4434
Document Number	0000056655
Instrument Date	Nov 11, 2019
Instrument	56655
Transaction Type	Transfer
Record Updated	Dec 10, 2019
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$135.00
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2021 VALLEY CREEK DR ELGIN IL 601232687, ELGIN, IL 60123-2687

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	$6,422.00 (+15.82%) Homeowner's exemption	$92,189 (+8.57%) Land $15,833 Building $76,356	$276,678 (+8.57%) Land $47,518 Building $229,160
2024		$84,912 (+21.39%) Land $14,583 Building $70,329	$254,838 (+21.44%) Land $43,767 Building $211,071
2022	$5,545.00 (+4.64%) Homeowner's exemption	$69,948 (+6.96%) Land $12,013 Building $57,935	$209,844 (+6.96%) Land $36,039 Building $173,805
2021	$5,299.00 Homeowner's exemption	$65,396 Land $11,231 Building $54,165	$196,188 Land $33,693 Building $162,495

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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