443 Villa St, Elgin, IL 60120 Property Records

Kane County property record for 443 Villa St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,154 sqft · built 1915
Lot Size	0.83 acres (3,616 sqft)
Owner	2 Individual Names on Record
Last Sale	$215,000 (Nov 2021)
Tax Bill	$5,478 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-13-459-015`

Property Details

APN / Parcel Number

Primary APN	`06-13-459-015`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,154 sqft Living Area
Gross Area	3,231 sqft
Basement Area	1,077 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Construction Type	Frame
Lot Area	3,616 sqft (0.83 acres)
Lot Dimensions	113 ft deep x 32 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	443 VILLA ST
City	ELGIN
State	IL
Zip	60120-6900
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUPERVISORS ASSMT PLAT OF LOT 4 BLOCK 7 SHERMANS ADDN TO ELGIN
Legal Subdivision	SHERMANS ADDN
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 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	443 VILLA ST, ELGIN, IL 60120-6900
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 10, 2021 · Amount on Record
Deed Sale	Nov 10, 2021 · Amount on Record
Prior Sale	Nov 18, 2015 · Amount on Record
Deed Document Number	202184871
Prior Transfer Date	Nov 13, 2014
Prior Transfer Doc	0000003614
Record Updated	Sep 20, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Nov 10, 2021
Property Address	443 VILLA ST, ELGIN, IL 60120-6900
Document Number	0000084871
Instrument Date	Jun 28, 2021
Instrument	2021K084871
Transaction Type	Transfer
Record Updated	Nov 23, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$215.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	443 VILLA ST, ELGIN, IL 60120-6900

Mortgage

Document Number	0000084872
Date	Nov 10, 2021
Instrument	2021K084872

Lender

Name	AMERICAN NEIGHBORHOOD MTG ACCEPTANC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Dec 1, 2046

Interest

Rate Type	Fixed Rate
Rate	3%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 2025

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	$5,478.00 (+27.16%) Homeowner's exemption
2024		$73,506 (+32.01%) Land $8,521 Building $64,985	$220,606 (+32.06%) Land $25,573 Building $195,033
2022	$4,308.00 (-7.24%) Homeowner's exemption	$55,684 (+6.96%) Land $7,019 Building $48,665	$167,052 (+6.96%) Land $21,057 Building $145,995
2021	$4,644.00	$52,060 Land $6,562 Building $45,498	$156,180 Land $19,686 Building $136,494

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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