437 North St, Elgin, IL 60120 Property Records

Kane County property record for 437 North St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,553 sqft · built 1940
Lot Size	0.101 acres (4,406 sqft)
Owner	Individual Name on Record
Tax Bill	$6,196 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-13-181-009`

Property Details

APN / Parcel Number

Primary APN	`06-13-181-009`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	5 Stories
Building Area	1,553 sqft Living Area
Gross Area	2,651 sqft
Basement Area	1,098 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Construction Type	Frame
Lot Area	4,406 sqft (0.101 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	437 NORTH ST
City	ELGIN
State	IL
Zip	60120-5631
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HINSDELLS ADDN WEST 53 1/2 FT LOT 1 & WEST 53.5 FT NORTH 6 FT LOT 2 BLOCK 1
Legal Subdivision	HINSDELLS ADDN
Legal Block	1
Legal Lot Number	1,2
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3004
Census Tract	851301

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 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.

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	Individual Name on Record
Mailing Address	437 NORTH ST, ELGIN, IL 60120-5631
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2026	Deed of Trust, Mortgage · Line of Credit BMO BANK NA
Jul 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 8, 2010
Deed Sale	Oct 8, 2010
Prior Sale	Apr 27, 2004 · Amount on Record
Deed Document Number	201067644
Last Transfer Date	May 12, 2011
Transfer Doc	0000057535
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	437 NORTH ST, ELGIN, IL 60120-5631
Transaction Type	Mortgage
Record Updated	Feb 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	437 NORTH ST, ELGIN, IL 60120-5631

Mortgage

Document Number	0000005626
Date	Feb 11, 2026
Instrument	2026K005626

Lender

Name	BMO BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 9, 2056

Interest

Rate Type	Adjustable Rate
Rate	8.09%
Change Frequency	Monthly

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	437 NORTH ST, ELGIN, IL 60120-5631
Transaction Type	Mortgage
Record Updated	Jul 8, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032992
Date	Jul 26, 2019
Instrument	2019K032992

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Interest

Rate	4.87%

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	$6,196.00 (+15.83%) Homeowner's exemption	$89,222 (+8.57%) Land $11,858 Building $77,364	$267,773 (+8.57%) Land $35,588 Building $232,185
2024		$82,179 (+21.39%) Land $10,922 Building $71,257	$246,636 (+21.44%) Land $32,779 Building $213,857
2022	$5,349.00 (+4.66%) Homeowner's exemption	$67,696 (+6.96%) Land $8,997 Building $58,699	$203,088 (+6.96%) Land $26,991 Building $176,097
2021	$5,111.00 Homeowner's exemption	$63,291 Land $8,412 Building $54,879	$189,873 Land $25,236 Building $164,637

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 545 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Fox Valley Internet Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile, Verizon.

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