432 Addison St, Elgin, IL 60120 Property Records

Kane County property record for 432 Addison St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,422 sqft · built 1900
Lot Size	0.203 acres (8,840 sqft)
Owner	Company Name on Record
Last Sale	$160,000 (Nov 2021)
Tax Bill	$6,606 (2025)
Deeds & Mortgages	Nov 2021 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-13-132-023`

Property Details

APN / Parcel Number

Primary APN	`06-13-132-023`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,422 sqft Living Area
Gross Area	2,181 sqft
Basement Area	759 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	8,840 sqft (0.203 acres)
Garage Type	Detached
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	432 ADDISON ST
City	ELGIN
State	IL
Zip	60120-4435
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAKWOOD ADDN LOT 8 BLOCK 1
Legal Subdivision	OAKWOOD ADDN
Legal Block	1
Legal Lot Number	8
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1001
Census Tract	851301

Owner

Source: Kane County records, as of July 23, 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 Record
Mailing Address	736 DUNDEE AVE, ELGIN, IL 60120-3200
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 2, 2021 · Amount on Record
Deed Sale	Nov 2, 2021 · Amount on Record
Prior Sale	Sep 11, 2008 · Amount on Record
Deed Document Number	202182643
Prior Transfer Date	Sep 12, 1997
Prior Transfer Doc	0000064264
Record Updated	Oct 29, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Nov 2, 2021
Property Address	432 ADDISON ST, ELGIN, IL 60120-4435
Document Number	0000082643
Instrument Date	Sep 29, 2021
Instrument	2021K082643
Transaction Type	Transfer
Record Updated	Nov 9, 2021
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$160.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	736 DUNDEE AVE, ELGIN, IL 60120-3823

Mortgage

Document Number	0000082695
Date	Nov 2, 2021
Instrument	2021K082695

Lender

Name	AMERICAN COMMUNITY BANK & TRUST
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$6,606.00 (+3.51%)	$86,594 (+8.57%) Land $15,389 Building $71,205	$259,886 (+8.57%) Land $46,185 Building $213,700
2024	$6,382.00 (+9.15%)	$79,758 (+18.28%) Land $14,174 Building $65,584	$239,370 (+18.33%) Land $42,539 Building $196,831
2022	$5,847.00 (+14.89%)	$67,431 (+6.96%) Land $11,676 Building $55,755	$202,293 (+6.96%) Land $35,028 Building $167,265
2021	$5,089.00 Homeowner's exemption	$63,043 Land $10,916 Building $52,127	$189,129 Land $32,748 Building $156,381

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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