440 Park St, Elgin, IL 60120 Property Records

Kane County property record for 440 Park St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,852 sqft · built 1959
Lot Size	0.111 acres (4,850 sqft)
Owner	2 Individual Names on File
Last Sale	$352,000 (Dec 2022)
Tax Bill	$9,367 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-13-133-025`

Property Details

APN / Parcel Number

Primary APN	`06-13-133-025`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,852 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Split Level
Exterior Material	Brick
Lot Area	4,850 sqft (0.111 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	440 PARK ST
City	ELGIN
State	IL
Zip	60120-4490
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WILHARMS SUB LOT 3
Legal Subdivision	WILHARMS SUB
Legal Block	1
Legal Lot Number	3
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1006
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

440 Park St is owned by two individuals who bought it in December 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	405 SHERWOOD DR, STREAMWOOD, IL 60107-2017
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2022	Warranty Deed, Transfer · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP
Jun 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP
Jan 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2022 · Amount on File
Deed Sale	Dec 15, 2022 · Amount on File
Prior Sale	Nov 17, 2006 · Amount on File
Deed Document Number	202258788
Prior Transfer Date	Dec 5, 2022
Prior Transfer Doc	0000058788
Record Updated	Oct 29, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 15, 2022
Property Address	440 PARK ST, ELGIN, IL 60120-4490
Document Number	0000058788
Instrument Date	Dec 5, 2022
Instrument	2022K058788
Transaction Type	Transfer
Record Updated	Dec 21, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$352.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	405 SHERWOOD DR, STREAMWOOD, IL 60107-2017

Mortgage

Document Number	0000058789
Date	Dec 15, 2022
Instrument	2022K058789

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

Interest

Rate Type	Fixed Rate
Rate	7.62%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	440 PARK ST, ELGIN, IL 60120-4490
Transaction Type	Mortgage
Record Updated	Jun 30, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000046033
Date	Jun 16, 2021
Instrument	2021K046033

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company
Address	AURORA, IL 60506

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	179 Months
Due	May 1, 2036

Interest

Rate Type	Fixed Rate
Rate	3%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	440 PARK ST, ELGIN, IL 60120-4490
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001549
Date	Jan 9, 2020
Instrument	2020K001549

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company
Address	AURORA, IL 60506

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

Interest

Rate Type	Fixed Rate
Rate	5.75%

Tax Assessment & Valuation

The 2025 property tax bill for 440 Park St was $9,367.

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	$9,367.00	$122,788 (+8.57%) Land $12,183 Building $110,605	$368,511 (+8.57%) Land $36,564 Building $331,948
2024		$113,095 Land $11,221 Building $101,874	$339,421 Land $33,676 Building $305,744
2022	$7,416.00 (+3.95%)	$85,534 (+6.96%) Land $9,243 Building $76,291	$256,602 (+6.96%) Land $27,729 Building $228,873
2021	$7,134.00	$79,969 Land $8,642 Building $71,327	$239,907 Land $25,926 Building $213,981

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

FEMA maps place 440 Park St in Zone X, an area of minimal flood risk.

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

The area around 440 Park St has no burnable land within ember reach, so its wildfire risk is not rated.

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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