DuPage County property record for 446 N Elm Ave, Elmhurst, IL 60126
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,463 sqft · built 1927 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $345,000 (Jul 2005) |
| Tax Bill | $8,628 (2025) |
| Deeds & Mortgages | Aug 2023 Line of Credit Jul 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03-35-401-028 |
| Primary APN | 03-35-401-028 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,463 sqft Living Area |
| Gross Area | 2,438 sqft |
| 1st Floor Area | 975 sqft |
| 2nd Floor Area | 488 sqft |
| Basement Area | 975 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1927 |
|---|---|
| Effective Year Built | Effective 1927 |
| Architectural Style | Victorian |
| Exterior Material | Brick |
| Construction Type | Frame |
| Lot Area | 9,148 sqft (0.21 acres) |
| Lot Dimensions | 18.4 ft deep x 5 ft wide |
| Garage Type | Detached |
| Garage Area | 225 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 114 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Water Source | Commercial |
| Street Address | 446 N ELM AVE |
|---|---|
| City | ELMHURST |
| State | IL |
| Zip | 60126-2331 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | A W SMITHS RESUB OF NORTH ELMHURST 2ND ADD S 1/2 |
| Legal Subdivision | A W SMITHS RESUB OF NORTH ELMHURST 2ND A |
| Legal Block | 3 |
| Legal Lot Number | 6 |
| Jurisdiction | DU PAGE IL |
| Township / Civil Division | ADDISON |
| Census Block Group | 2 |
| Census Block | 2005 |
| Census Tract | 840600 |
446 N Elm Ave is owner-occupied and held in a trust since May 2025.
Source: DuPage County records, as of August 17, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 446 N ELM AVE, ELMHURST, IL 60126-2331 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Aug 9, 2023 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| Jul 6, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA |
| May 24, 2017 | Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 14, 2005 · Amount on File |
| Deed Sale | Jul 14, 2005 · Amount on File |
| Deed Document Number | 2005149698 |
| Last Transfer Date | May 16, 2025 |
| Transfer Doc | 0000032707 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DU PAGE IL |
| Property Address | 446 N ELM AVE, ELMHURST, IL 60126-2331 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2023 |
| Name | Verified Name |
|---|---|
| Address | 446 N ELM AVE, ELMHURST, IL 60126-2331 |
| Document Number | 0000050366 |
|---|---|
| Date | Aug 9, 2023 |
| Instrument | R2023-050366 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jul 25, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DU PAGE IL |
| Property Address | 446 N ELM AVE, ELMHURST, IL 60126-2331 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2022 |
| Title Company | GREATER ILLINOIS TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000101876 |
|---|---|
| Date | Jul 6, 2021 |
| Instrument | R2021-101876 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45227 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | May 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DU PAGE IL |
| Recording Date | May 24, 2017 |
| Property Address | 446 N ELM AVE, ELMHURST, IL 60126-2331 |
| Document Number | 0000050882 |
| Instrument Date | May 16, 2017 |
| Instrument | 50882 |
| Transaction Type | Transfer |
| Record Updated | Jul 5, 2017 |
| Title Company | OTHER |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $555.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 120 N OAK PARK AVE #404 OAK PARK IL 603011318, 404, OAK PARK, IL 60301-1318 |
| Document Number | 50883 |
|---|---|
| Date | May 24, 2017 |
| Instrument | 50883 |
| Name | FIFTH THIRD MTG |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45227 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 23, 2047 |
| Rate | 3.87% |
|---|
The 2025 property tax bill for 446 N Elm Ave was $8,628.
Source: DuPage County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | DuPage County |
| County Subdivision | Addison Township |
| Municipality | Elmhurst City |
| Unified School District | Elmhurst School District 205 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,628.00 | $150,753 Land $76,417 Building $74,336 | $452,259 Land $229,251 Building $223,008 |
| 2022 | $6,791.00 Homeowner's exemption | $116,870 Land $62,300 Building $54,570 | $350,610 Land $186,900 Building $163,710 |
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.
FEMA maps place 446 N Elm Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2017.
Source: FEMA National Flood Hazard Layer, effective September 1, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 2 (2017–2026) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jul 2026 · rainfall accumulation |
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.
The area around 446 N Elm 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ELMHURST serves 45,000 people · EPA ID IL0430350 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Feb 2025 |
| Lead | 6 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 628 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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