445 Harrison St, Elgin, IL 60120 Property Records

Cook County property record for 445 Harrison St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,366 sqft · built 1979
Lot Size	0.174 acres (7,590 sqft)
Owner	Individual Name on Record
Last Sale	$232,000 (Apr 2021)
Tax Bill	$5,666 (2023)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Aug 2020 Transfer
Flood Zone	Zone X (moderate risk)
APN	`06-19-108-016`

Property Details

APN / Parcel Number

Primary APN	`06-19-108-016`
Alternative APN	`06-19-108-016-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,366 sqft Living Area
1st Floor Area	1,366 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1980
Architectural Style	Bungalow
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	7,590 sqft (0.174 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	445 HARRISON ST
City	ELGIN
State	IL
Zip	60120-8213
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	(VILLA)(PARK) ADD TO (HANOVER) SUB PT OF LT 2 IN NW SEC 19-41-09
Legal Range	09E
Legal Township	41N
Legal Section	19
Legal Subdivision	VILLA PARK ADD TO HANOVER
Legal Block	1
Legal Lot Number	2
Jurisdiction	COOK IL
Township / Civil Division	HANOVER
Census Block Group	1
Census Block	1009
Census Tract	804406

Owner

Source: Cook County records, as of May 27, 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 Record
Mailing Address	445 HARRISON ST, ELGIN, IL 60120-8213
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2021	Warranty Deed, Transfer · FHA Mortgage INLANTA MORTGAGE INC
Aug 13, 2020	Quit Claim Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 22, 2021 · Amount on Record
Deed Sale	Apr 22, 2021 · Amount on Record
Prior Sale	Apr 3, 2014 · Amount on Record
Deed Document Number	202110076
Prior Transfer Date	Apr 21, 2020
Prior Transfer Doc	0000006251
Record Updated	Sep 20, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Apr 22, 2021
Property Address	445 HARRISON ST, ELGIN, IL 60120-8213
Document Number	0011210076
Instrument Date	Apr 13, 2021
Instrument	2111210076
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	PROPER TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$232.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 HARRISON ST, ELGIN, IL 60120-8213

Mortgage

Document Number	0011210077
Date	Apr 22, 2021
Instrument	2111210077

Lender

Name	INLANTA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

Interest

Rate	2.87%

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	COOK IL
Recording Date	Aug 13, 2020
Property Address	445 HARRISON ST, ELGIN, IL 60120-8213
Document Number	2022606251
Instrument Date	Apr 21, 2020
Instrument	22606251
Transaction Type	Transfer
Record Updated	Aug 26, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	445 HARRISON ST ELGIN IL 601208213, ELGIN, IL 60120-8213

Tax Assessment & Valuation

Source: Cook County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Cook County
County Subdivision	Hanover 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		$26,000 (+13.04%) Land $5,313 Building $20,687	$260,000 (+13.04%) Land $53,130 Building $206,870
2023	$5,666.00 (-11.94%)
2022	$6,434.00 Homeowner's exemption	$23,000 Land $3,036 Building $19,964	$230,000 Land $30,360 Building $199,640

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 February 11, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	16 (1997–2020)
Claims Outside the SFHA	5 of 16
Most Recent Claim	May 2020 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 2 claims Severe Storms And Flooding, Sep 2008 · 7 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 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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