431 Hubbard Ave, Elgin, IL 60123 Property Records

Kane County property record for 431 Hubbard Ave, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,682 sqft · built 1963
Lot Size	0.182 acres (7,920 sqft)
Owner	Individual Name on File
Last Sale	$223,000 (Jan 2019)
Tax Bill	$7,553 (2025)
Deeds & Mortgages	May 2026 Line of Credit Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-10-482-008`

Property Details

APN / Parcel Number

Primary APN	`06-10-482-008`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,682 sqft Living Area
Gross Area	3,584 sqft
1st Floor Area	2,682 sqft
Basement Area	902 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Split Level
Exterior Material	Brick
Lot Area	7,920 sqft (0.182 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	431 HUBBARD AVE
City	ELGIN
State	IL
Zip	60123-3411
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GREENACRES LOT 18 BLOCK 4
Legal Subdivision	GREENACRES
Legal Block	4
Legal Lot Number	18
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3007
Census Tract	851102

Owner

431 Hubbard Ave is owned and occupied by an individual who bought it in January 2019.

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

Owner of Record	Individual Name on File
Mailing Address	431 HUBBARD AVE, ELGIN, IL 60123-3411
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
May 4, 2026	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK
Jan 10, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 16, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jan 4, 2019	Warranty Deed, Transfer · FHA Mortgage HOMETRUST MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 4, 2019 · Amount on File
Deed Sale	Jan 4, 2019 · Amount on File
Prior Sale	Jul 16, 2010
Deed Document Number	2019576
Prior Transfer Date	Mar 8, 2002
Prior Transfer Doc	0000038258
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	May 4, 2026
Property Address	431 HUBBARD AVE, ELGIN, IL 60123-3411
Document Number	0000017972
Instrument Date	Apr 25, 2026
Instrument	202617972
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 HUBBARD AVE, ELGIN, IL 60123-3411
Investor	Possibly a Property Investor

Mortgage

Document Number	0000017972,
Date	May 4, 2026
Instrument	202617972

Lender

Name	BMO HARRIS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 30, 2056

Interest

Rate	9.39%
Max Rate	-1%

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	431 HUBBARD AVE, ELGIN, IL 60123-3411
Transaction Type	Mortgage
Record Updated	Jan 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001558
Date	Jan 10, 2022
Instrument	2022K001558

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

Interest

Rate	3.12%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	431 HUBBARD AVE, ELGIN, IL 60123-3411
Transaction Type	Mortgage
Record Updated	Apr 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030047
Date	Apr 16, 2021
Instrument	2021K030047

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	334 Months
Due	Feb 1, 2049

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 4, 2019
Property Address	431 HUBBARD AVE, ELGIN, IL 60123-3411
Document Number	0000000576
Instrument Date	Dec 17, 2018
Instrument	2019K000576
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$223.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 HUBBARD AVE, ELGIN, IL 60123-3411
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000577
Date	Jan 4, 2019
Instrument	2019K000577

Lender

Name	HOMETRUST MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 431 Hubbard Ave was $7,553 with a homeowner's exemption, up 4.2% from the year before.

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	$7,553.00 (+4.21%) Homeowner's exemption	$107,015 (+8.57%) Land $23,511 Building $83,504	$321,173 (+8.57%) Land $70,561 Building $250,612
2024	$7,248.00	$98,568 Land $21,655 Building $76,913	$295,822 Land $64,991 Building $230,831
2022	$6,520.00 (+4.54%) Homeowner's exemption	$81,197 (+6.96%) Land $17,839 Building $63,358	$243,591 (+6.96%) Land $53,517 Building $190,074
2021	$6,237.00 Homeowner's exemption	$75,913 Land $16,678 Building $59,235	$227,739 Land $50,034 Building $177,705

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 431 Hubbard Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1982.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1982)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 1982 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 431 Hubbard Ave 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 302 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
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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