432 Division St, Elgin, IL 60120 Property Records

Kane County property record for 432 Division St, Elgin, IL 60120 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,586 sqft · built 1882
Lot Size	0.133 acres (5,808 sqft)
Owner	2 Individual Names on File
Last Sale	$305,000 (Apr 2025)
Tax Bill	$5,749 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-13-181-008`

Property Details

APN / Parcel Number

Primary APN	`06-13-181-008`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,586 sqft Living Area
Gross Area	2,512 sqft
Basement Area	926 sqft

Exterior

Year Built	Built 1882
Effective Year Built	Effective 1882
Construction Type	Frame
Lot Area	5,808 sqft (0.133 acres)
Lot Dimensions	132 ft deep x 44 ft wide
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	432 DIVISION ST
City	ELGIN
State	IL
Zip	60120-5740
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HINSDELLS ADDN EAST 44 FT OF LOTS 8 & 9 BLOCK 1
Legal Subdivision	HINSDELLS ADDN
Legal Block	1
Legal Lot Number	8,9
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3004
Census Tract	851301

Owner

Source: Kane County records · APN 06-13-181-008

Assessment roll updated December 26, 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	2 Individual Names on File
Mailing Address	248 N BISSELL DR, PALATINE, IL 60074-5514
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 30, 2025 · Amount on Record
Deed Sale	Apr 30, 2025 · Amount on Record
Prior Sale	Sep 11, 2023 · Amount on Record
Deed Document Number	202515446
Prior Transfer Date	Aug 29, 2007
Prior Transfer Doc	0000110433
Record Updated	Sep 20, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 11, 2023
Property Address	432 DIVISION ST, ELGIN, IL 60120-5740
Document Number	0000031661
Instrument Date	Sep 01, 2023
Instrument	2023K031661
Transaction Type	Transfer
Record Updated	Sep 19, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$292.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	432 DIVISION ST, ELGIN, IL 60120-5740
Investor	Possibly a Property Investor

Mortgage

Document Number	0000031662
Date	Sep 11, 2023
Instrument	2023K031662

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2053

Interest

Rate Type	Fixed Rate
Rate	5.62%
Change Frequency	2 Years

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated December 26, 2025 · Last verified July 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

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	$5,749.00 (+199.58%)
2024	$1,919.00 (-57.64%)	$76,777 (+21.39%) Land $11,701 Building $65,076	$230,423 (+21.44%) Land $35,117 Building $195,306
2022	$4,530.00 (+5.5%) Homeowner's exemption	$63,246 (+6.96%) Land $9,639 Building $53,607	$189,738 (+6.96%) Land $28,917 Building $160,821
2021	$4,294.00 Homeowner's exemption	$59,131 Land $9,012 Building $50,119	$177,393 Land $27,036 Building $150,357

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic District	Within the Elgin Historic District listed 1983 · 327 contributing resources · NRIS 83000318

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.