Kane County property record for 431 E Chicago St, Elgin, IL 60120 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1910 |
| Square Footage | 1,776 sqft Living Area |
| Lot Size | 6,600 sqft (0.152 acres) |
| Garage | Detached |
| Last Sale | $205,000 (2020) |
| Tax Bill | $6,656.00 (2025) |
| Primary APN | 06-13-327-003 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 9 Rooms |
| Building Area | 1,776 sqft Living Area |
| Gross Area | 2,664 sqft Gross Area |
| Basement Area | 888 sqft Basement |
| Stories | 2 Stories |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Construction Type | Frame Construction |
| Lot Area | 6,600 sqft (0.152 acres) |
| Depth X Width | 132 ft x 50 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Detached Garage |
| Street Address | 431 E CHICAGO ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-5713 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | THE WEST 50 FT OF LOT 2 IN BLK 2 OF JAMES T. GIFFORDS ADDITION |
| Legal Subdivision | JAMES T GIFFORDS ADDN |
| Legal Block | 2 |
| Legal Lot Number | 2 |
| Jurisdiction | KANE IL |
| Minor Civil Division | ELGIN |
| Census Blockgroup | 2 |
| Census Block | 2003 |
| Census Tract | 851301 |
Source: Kane County records · APN 06-13-327-003
Assessment roll updated August 25, 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 | Company Name on File |
|---|---|
| Mailing Address | 111 DOUGLAS AVE, ELGIN, IL 60120-5503 |
| Owner Type | Owner is a Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Nov 15, 2021 | Deed of Trust, Mortgage · Line of Credit AMERICAN COMMUNITY BANK & TRUST |
| Sep 22, 2020 | Warranty Deed, Transfer · Line of Credit AMERICAN COMMUNITY BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 22, 2020 · Amount on Record |
| Deed Sale | Sep 22, 2020 · Amount on Record |
| Prior Sale | Dec 08, 2015 · Amount on Record |
| Deed Doc Number | 202054983 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 431 E CHICAGO ST, ELGIN, IL 60120-5713 |
| Transaction Type | Mortgage |
| Record Updated | May 26, 2022 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000085533 |
|---|---|
| Date | Nov 15, 2021 |
| Instrument | 2021K085533 |
| Name | AMERICAN COMMUNITY BANK & TRUST |
|---|---|
| Type | Bank |
| Address | WOODSTOCK, IL 60098 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Sep 22, 2020 |
| Property Address | 431 E CHICAGO ST, ELGIN, IL 60120-5713 |
| Document Number | 0000054983 |
| Instrument Date | Jul 09, 2020 |
| Instrument | 2020K054983 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $205.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 111 DOUGLAS AVE, ELGIN, IL 60120-5503 |
| Document Number | 0000054984 |
|---|---|
| Date | Sep 22, 2020 |
| Instrument | 2020K054984 |
| Name | AMERICAN COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
Source: Kane County records · Assessment roll updated August 25, 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 | $6,656.00 (+25.37%) | ||
| 2024 | $80,359 (+31.23%) Land $14,086 Building $66,273 | $241,173 (+31.28%) Land $42,275 Building $198,899 | |
| 2022 | $5,309.00 (+3.96%) | $61,235 (+6.96%) Land $11,604 Building $49,631 | $183,705 (+6.96%) Land $34,812 Building $148,893 |
| 2021 | $5,107.00 | $57,250 Land $10,849 Building $46,401 | $171,750 Land $32,547 Building $139,203 |
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