439 Villa St, Elgin, IL 60120 Property Records

Kane County property record for 439 Villa St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,555 sqft · built 1913
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on Record
Last Sale	$75,000 (Dec 1994)
Tax Bill	$5,618 (2025)
Deeds & Mortgages	Nov 2022 Transfer Jan 2022 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-13-459-014`

Property Details

APN / Parcel Number

Primary APN	`06-13-459-014`
Alternative APN	`06-13-459-041`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,555 sqft Living Area
Gross Area	2,550 sqft
Basement Area	995 sqft

Exterior

Year Built	Built 1913
Effective Year Built	Effective 1913
Construction Type	Frame
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Detached

Location & Zoning

Old Parcel Number	0613459014
Street Address	439 VILLA ST
City	ELGIN
State	IL
Zip	60120-6715
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHERMANS ADD BLK 7 PT LT 4 DESC IN DOC 2022K054929
Legal Subdivision	SHERMANS ADD
Legal Block	7
Legal Lot Number	4
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4000
Census Tract	851400

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	439 VILLA ST, ELGIN, IL 60120-6715
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2022	Quit Claim Deed, Transfer Quitclaim
Jan 7, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage KANE COUNTY TEACHERS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 1994 · Amount on Record
Deed Sale	Dec 30, 1994 · Amount on Record
Deed Document Number	199493352
Deed Book / Page	1038 / 251
Last Transfer Date	Oct 19, 2022
Transfer Doc	0000054929
Record Updated	Sep 20, 2026

November 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Nov 14, 2022
Property Address	439 VILLA ST, ELGIN, IL 60120-6715
Document Number	0000054929
Instrument Date	Oct 19, 2022
Instrument	2022K054929
Transaction Type	Transfer
Record Updated	Nov 18, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	247 W NORTH AVE NELTNOR BLVD2C, 247, WEST CHICAGO, IL 60185-6224

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	439 VILLA ST, ELGIN, IL 60120-6715

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	439 VILLA ST, ELGIN, IL 60120-6715
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001277
Date	Jan 7, 2022
Instrument	2022K001277

Lender

Name	KANE COUNTY TEACHERS CU
Type	Credit Union
Address	ELGIN, IL 60123

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 17, 2037

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	$5,618.00 (+12.14%) Homeowner's exemption	$81,649 (+8.57%) Land $12,547 Building $69,102	$245,045 (+8.57%) Land $37,656 Building $207,389
2024		$75,204 (+17.91%) Land $11,557 Building $63,647	$225,702 (+17.95%) Land $34,685 Building $191,017
2022	$5,010.00 (+4.72%) Homeowner's exemption	$63,782 (+6.96%) Land $11,352 Building $52,430	$191,346 (+6.96%) Land $34,056 Building $157,290
2021	$4,784.00 Homeowner's exemption	$59,631 Land $10,613 Building $49,018	$178,893 Land $31,839 Building $147,054

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 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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