441 Illinois Ave, Elgin, IL 60120 Property Records

Kane County property record for 441 Illinois Ave, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,496 sqft · built 1900
Lot Size	0.189 acres (8,250 sqft)
Owner	Individual Name on File
Last Sale	$198,000 (Nov 2019)
Tax Bill	$6,285 (2025)
Deeds & Mortgages	May 2026 Mortgage Nov 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-24-230-011`

Property Details

APN / Parcel Number

Primary APN	`06-24-230-011`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,496 sqft Living Area
Gross Area	2,192 sqft
Basement Area	696 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	8,250 sqft (0.189 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	441 ILLINOIS AVE
City	ELGIN
State	IL
Zip	60120-7912
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUB OF BLOCK 10 SHERMANS ADDN WEST 100 FT LOT 11 BLOCK 3
Legal Subdivision	SHERMANS ADDN
Legal Block	10,3
Legal Lot Number	11
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3007
Census Tract	851400

Owner

441 Illinois Ave is owned and occupied by an individual who bought it in November 2019.

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

Owner of Record	Individual Name on File
Mailing Address	441 ILLINOIS AVE, ELGIN, IL 60120-7912
Occupancy	Owner Occupied
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
May 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage U S BANK N A
Nov 14, 2019	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Jun 13, 2017	Warranty Deed, Transfer · FHA Mortgage HOME STATE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 14, 2019 · Amount on File
Deed Sale	Nov 14, 2019 · Amount on File
Prior Sale	Jun 13, 2017 · Amount on File
Deed Document Number	201955216
Prior Transfer Date	Dec 3, 2004
Prior Transfer Doc	0000155560
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	May 5, 2026
Property Address	441 ILLINOIS AVE, ELGIN, IL 60120-7912
Document Number	0000018243
Instrument Date	Apr 25, 2026
Instrument	202618243
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	441 ILLINOIS AVE, ELGIN, IL 60120-7912

Mortgage

Document Number	0000018243,
Date	May 5, 2026
Instrument	202618243

Lender

Name	U S BANK N A

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	May 4, 2046

Interest

Rate Type	Fixed Rate
Rate	6.35%
Initial Type	Fixed Rate
Max Rate	-1%

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Nov 14, 2019
Property Address	441 ILLINOIS AVE, ELGIN, IL 60120-7912
Document Number	0000055216
Instrument Date	Nov 1, 2019
Instrument	2019K055216
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$198.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	441 ILLINOIS AVE, 441, ELGIN, IL 60120-7912

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	441 ILLINOIS AVE, ELGIN, IL 60120-7912

Mortgage

Document Number	0000055217
Date	Nov 14, 2019
Instrument	2019K055217

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2049

Interest

Rate	3.75%

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 13, 2017
Property Address	441 ILLINOIS AVE, ELGIN, IL 60120-7912
Document Number	0000030083
Instrument Date	May 24, 2017
Instrument	2017K030083
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	BURNET TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$179.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	441 ILLINOIS AVE, ELGIN, IL 60120-7912

Mortgage

Document Number	0000030084
Date	Jun 13, 2017
Instrument	2017K030084

Lender

Name	HOME STATE BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2047

Interest

Rate Type	Fixed Rate
Rate	3.87%

Tax Assessment & Valuation

The 2025 property tax bill for 441 Illinois Ave was $6,285 with a homeowner's exemption, up 4.4% from the year before.

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	$6,285.00 (+4.38%) Homeowner's exemption	$90,383 (+8.57%) Land $17,264 Building $73,119	$271,258 (+8.57%) Land $51,813 Building $219,445
2024	$6,021.00	$83,248 Land $15,901 Building $67,347	$249,844 Land $47,722 Building $202,122
2022	$5,426.00 (+4.67%) Homeowner's exemption	$68,576 (+6.96%) Land $13,098 Building $55,478	$205,728 (+6.96%) Land $39,294 Building $166,434
2021	$5,184.00 Homeowner's exemption	$64,114 Land $12,246 Building $51,868	$192,342 Land $36,738 Building $155,604

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 441 Illinois Ave 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 441 Illinois Ave 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 438 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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