444-446 Fulton St, Elgin, IL 60120 Property Records

Kane County property record for 444-446 Fulton St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,696 sqft · built 1900
Lot Size	0.129 acres (5,610 sqft)
Owner	2 Trust Names on File
Last Sale	$167,000 (Jun 2018)
Tax Bill	$5,731 (2025)
Deeds & Mortgages	May 2022 Transfer Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-13-330-023`

Property Details

APN / Parcel Number

Primary APN	`06-13-330-023`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,696 sqft Living Area
Gross Area	2,544 sqft
Basement Area	848 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	5,610 sqft (0.129 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	444 FULTON ST, 446
City	ELGIN
State	IL
Zip	60120-6638
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JAMES T GIFFORDS ADD SLY 85 FT EAST 2/3 OF LOT 10 BLK 3
Legal Subdivision	JAMES T GIFFORDS ADD
Legal Block	3
Legal Lot Number	10
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2004
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

444-446 Fulton St is held in a trust since June 2018.

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

Owner of Record	2 Trust Names on File
Mailing Address	38W920 MCDONALD RD, ELGIN, IL 60124
Owner Type	Company
Vesting	Trust

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 24, 2022	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Jun 25, 2018	Warranty Deed, Transfer · Conventional Mortgage LAND-HOME FINANCIAL SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2018 · Amount on File
Deed Sale	Jun 25, 2018 · Amount on File
Prior Sale	Nov 8, 2013 · Amount on File
Deed Document Number	201830002
Record Updated	Oct 29, 2026

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	May 24, 2022
Property Address	444-446 FULTON ST, ELGIN, IL 60120
Document Number	0000027445
Instrument Date	Apr 25, 2022
Instrument	2022K027445
Transaction Type	Transfer
Record Updated	Aug 29, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	38W920 MCDONALD RD, ELGIN, IL 60124

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 25, 2018
Property Address	444-446 FULTON ST, ELGIN, IL 60120
Document Number	0000030002
Instrument Date	Jun 14, 2018
Instrument	2018K030002
Transaction Type	Transfer
Record Updated	Sep 21, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$167.00
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
Relationship	Joint Tenants
Address	8B597 WILDWOOD DR, ELGIN, IL 60124

Mortgage

Document Number	0000030003
Date	Jun 25, 2018
Instrument	2018K030003

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

Interest

Rate Type	Fixed Rate
Rate	5.62%

Tax Assessment & Valuation

The 2025 property tax bill for 444-446 Fulton St was $5,731, up 3.5% 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	$5,731.00 (+3.5%)	$75,126 (+8.57%) Land $13,635 Building $61,491	$225,468 (+8.57%) Land $40,921 Building $184,547
2024	$5,537.00	$69,196 Land $12,559 Building $56,637	$207,671 Land $37,692 Building $169,979
2022	$4,574.00 (+3.95%)	$52,760 (+6.96%) Land $10,346 Building $42,414	$158,280 (+6.96%) Land $31,038 Building $127,242
2021	$4,400.00	$49,327 Land $9,673 Building $39,654	$147,981 Land $29,019 Building $118,962

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 444-446 Fulton 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 444-446 Fulton 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 545 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
Fox Valley Internet Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile, Verizon.

Nearby Properties on Fulton St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures