446 Park St, Elgin, IL 60120 Property Records

Kane County property record for 446 Park St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 849 sqft · built 1880
Lot Size	0.115 acres (5,000 sqft)
Owner	2 Individual Names on File
Last Sale	$183,000 (Mar 2023)
Tax Bill	$3,689 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Oct 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-13-133-029`

Property Details

APN / Parcel Number

Primary APN	`06-13-133-029`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	849 sqft Living Area
Gross Area	1,537 sqft
1st Floor Area	849 sqft
Basement Area	688 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Ranch
Construction Type	Frame
Foundation Type	Raised
Lot Area	5,000 sqft (0.115 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Window A/C
Water Source	Well

Location & Zoning

Street Address	446 PARK ST
City	ELGIN
State	IL
Zip	60120-4400
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	B W RAYMONDS ADDN WEST 50.1 FT EAST 162.3 FT SOUTH 100 FT LOT 17
Legal Subdivision	B W RAYMONDS ADDN
Legal Block	1
Legal Lot Number	17
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1006
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

446 Park St is owned and occupied by two individuals who bought it in March 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	446 PARK ST, ELGIN, IL 60120-4400
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Mar 31, 2023	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Oct 6, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage WINTRUST MORTGAGE
Mar 8, 2022	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2023 · Amount on File
Deed Sale	Mar 31, 2023 · Amount on File
Prior Sale	Jan 24, 2005 · Amount on File
Deed Document Number	202310045
Prior Transfer Date	Mar 1, 2022
Prior Transfer Doc	0000012981
Record Updated	Oct 29, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Mar 31, 2023
Property Address	446 PARK ST, ELGIN, IL 60120-4400
Document Number	0000010045
Instrument Date	Mar 29, 2023
Instrument	2023K010045
Transaction Type	Transfer
Record Updated	Apr 7, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$183.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1170 SPRUCE LN UNIT D, D, ELGIN, IL 60120-4819

Mortgage

Document Number	0000010046
Date	Mar 31, 2023
Instrument	2023K010046

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.75%

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Oct 6, 2022
Property Address	446 PARK ST, ELGIN, IL 60120-4400
Document Number	0000049318
Instrument Date	Sep 27, 2022
Instrument	2022K049318
Transaction Type	Transfer
Record Updated	Oct 12, 2022

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
Address	448 PARK ST, ELGIN, IL 60120-4400

Mortgage

Document Number	0000049319
Date	Oct 6, 2022
Instrument	2022K049319

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Mar 8, 2022
Property Address	446 PARK ST, ELGIN, IL 60120-4400
Document Number	0000012981
Instrument Date	Mar 8, 2022
Instrument	2022K012981
Transaction Type	Transfer
Record Updated	Mar 14, 2022
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	Tenants by the Entirety
Address	446 PARK ST, ELGIN, IL 60120-4400

Tax Assessment & Valuation

The 2025 property tax bill for 446 Park St was $3,689 with a homeowner's exemption.

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	$3,689.00	$56,361 (+8.57%) Land $11,327 Building $45,034	$169,151 (+8.57%) Land $33,995 Building $135,156
2024		$51,912 Land $10,433 Building $41,479	$155,798 Land $31,312 Building $124,487
2022	$2,056.00 Disabled Person's exemption	$42,763 Land $8,594 Building $34,169	$128,289 Land $25,782 Building $102,507

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 446 Park 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 446 Park 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 625 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
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Fox Valley Internet, T-Mobile.

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