438 Villa St, Elgin, IL 60120 Property Records

Kane County property record for 438 Villa St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	6 bd · 4 ba · 3,278 sqft · built 1900
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$385,000 (Aug 2024)
Tax Bill	$8,964 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-13-457-021`

Property Details

APN / Parcel Number

Primary APN	`06-13-457-021`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Total Rooms	16 Rooms
Stories	2 Stories
Building Area	3,278 sqft Living Area
Gross Area	5,148 sqft
Basement Area	1,870 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	438 VILLA ST
City	ELGIN
State	IL
Zip	60120-6756
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JAMES BARRETTS 2ND ADDN LOT 7
Legal Subdivision	JAMES BARRETTS 2ND ADDN
Legal Block	2
Legal Lot Number	7
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2014
Census Tract	851301

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	903 WILLOW CREEK RD, WEST CHICAGO, IL 60185-5019
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Jun 13, 2022	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
May 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage PLAZA HOME MORTGAGE INC
Jun 18, 2019	Warranty Deed, Transfer · FHA Mortgage PARKSIDE LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 6, 2024 · Amount on Record
Deed Sale	Aug 6, 2024 · Amount on Record
Prior Sale	Jun 18, 2019 · Amount on Record
Deed Document Number	202427636
Prior Transfer Date	Apr 16, 2014
Prior Transfer Doc	0000025029
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	438 VILLA ST, ELGIN, IL 60120-6756
Transaction Type	Mortgage
Record Updated	Jun 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1447 ASHWOOD DR, ELGIN, IL 60123-8886

Mortgage

Document Number	0000030795
Date	Jun 13, 2022
Instrument	2022K030795

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	May 14, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	438 VILLA ST, ELGIN, IL 60120-6756
Transaction Type	Mortgage
Record Updated	Jun 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000040195
Date	May 25, 2021
Instrument	2021K040195

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company
Address	ITASCA, IL 60143

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 18, 2019
Property Address	438 VILLA ST, ELGIN, IL 60120-6756
Document Number	0000025321
Instrument Date	Jun 5, 2019
Instrument	25321
Transaction Type	Transfer
Record Updated	Jun 27, 2019
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 VILLA ST ELGIN IL 601206756, ELGIN, IL 60120-6756

Mortgage

Document Number	25322
Date	Jun 18, 2019
Instrument	25322

Lender

Name	PARKSIDE LNDG
Address	SAN FRANCISCO, CA 94102

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 17, 2049

Interest

Rate	4.62%

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	$8,964.00 (+35.84%)	$117,504 (+8.57%) Land $15,416 Building $102,088	$352,653 (+8.57%) Land $46,267 Building $306,387
2024		$108,229 (+31.8%) Land $14,199 Building $94,030	$324,817 (+31.86%) Land $42,614 Building $282,203
2022	$6,599.00 (+4.53%) Homeowner's exemption	$82,114 (+6.96%) Land $11,697 Building $70,417	$246,342 (+6.96%) Land $35,091 Building $211,251
2021	$6,313.00 Homeowner's exemption	$76,771 Land $10,936 Building $65,835	$230,313 Land $32,808 Building $197,505

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 515 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
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Fox Valley Internet, T-Mobile.

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