445 Division St, Elgin, IL 60120 Property Records

Kane County property record for 445 Division St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,876 sqft · built 1900
Lot Size	0.133 acres (5,797 sqft)
Owner	Individual Name on File
Last Sale	$205,000 (Jan 2023)
Tax Bill	$5,830 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-13-183-008`

Property Details

APN / Parcel Number

Primary APN	`06-13-183-008`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,876 sqft Living Area
Gross Area	2,933 sqft
Basement Area	1,057 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	5,797 sqft (0.133 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	445 DIVISION ST
City	ELGIN
State	IL
Zip	60120-5734
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E M BARTLETTS ADDN NORTH 92 FT LOT 7
Legal Subdivision	E M BARTLETTS ADDN
Legal Block	3
Legal Lot Number	7
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3006
Census Tract	851301

Owner

Source: Kane County records · APN 06-13-183-008

Assessment roll updated July 23, 2026 · Last verified August 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 File
Mailing Address	30 OVERBROOK RD, SOUTH BARRINGTON, IL 60010-9569
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 19, 2023 · Amount on Record
Deed Sale	Jan 19, 2023 · Amount on Record
Deed Document Number	20231836
Prior Transfer Date	Nov 04, 1998
Prior Transfer Doc	0000077431
Record Updated	Sep 20, 2026

January 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	Jan 19, 2023
Property Address	445 DIVISION ST, ELGIN, IL 60120-5734
Document Number	0000001836
Instrument Date	Jan 17, 2023
Instrument	2023K001836
Transaction Type	Transfer
Record Updated	Jan 27, 2023
Title Company	CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$205.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	30 OVERBROOK RD, SOUTH BARRINGTON, IL 60010-9569

Mortgage

Document Number	0000001837
Date	Jan 19, 2023
Instrument	2023K001837

Lender

Name	FIRST FSLA OF MCMINNVILLE
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Feb 01, 2028

Interest

Rate Type	Fixed Rate
Rate	6%

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated July 23, 2026 · Last verified August 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,830.00 (+24.81%)	$76,424 (+8.57%) Land $16,766 Building $59,658	$229,364 (+8.57%) Land $50,318 Building $179,046
2024		$70,392 (+30.67%) Land $15,443 Building $54,949	$211,261 (+30.72%) Land $46,348 Building $164,913
2022	$4,671.00 (+3.96%)	$53,872 (+6.96%) Land $12,722 Building $41,150	$161,616 (+6.96%) Land $38,166 Building $123,450
2021	$4,493.00	$50,366 Land $11,894 Building $38,472	$151,098 Land $35,682 Building $115,416

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 8, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Historic Designation

Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Radiate Holdings Cable · Fiber in parts of the area	1,500 / 50
Opiquad Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile USA, Verizon.

Based on FCC filings for 545 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ELGIN serves 114,797 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.