449 Enterprise St, Elgin, IL 60120 Property Records

Kane County property record for 449 Enterprise St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,132 sqft · built 1920
Lot Size	0.142 acres (6,188 sqft)
Owner	2 Individual Names on Record
Last Sale	$279,000 (Jul 2022)
Tax Bill	$6,023 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-12-454-002`

Property Details

APN / Parcel Number

Primary APN	`06-12-454-002`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,132 sqft Living Area
Gross Area	3,198 sqft
Basement Area	1,066 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Construction Type	Frame
Lot Area	6,188 sqft (0.142 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	449 ENTERPRISE ST
City	ELGIN
State	IL
Zip	60120-5225
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FRED HAGELS ADDN NORTH 99 FT (EXCEPT WEST RODS) LOT 9 & WEST 30.45 FT NORTH 99 FT LOT 10
Legal Subdivision	FRED HAGELS ADDN
Legal Block	1
Legal Lot Number	9,10
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1003
Census Tract	851302

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	449 ENTERPRISE ST, ELGIN, IL 60120-5225
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2022 · Amount on Record
Deed Sale	Jul 1, 2022 · Amount on Record
Prior Sale	Jul 3, 1997 · Amount on Record
Deed Document Number	202234233
Prior Transfer Date	Nov 9, 2001
Prior Transfer Doc	0000018009
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 1, 2022
Property Address	449 ENTERPRISE ST, ELGIN, IL 60120-5225
Document Number	0000034233
Instrument Date	Jun 27, 2022
Instrument	2022K034233
Transaction Type	Transfer
Record Updated	Jul 8, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$279.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	449 ENTERPRISE ST, 449, ELGIN, IL 60120-5225

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	0000034234
Date	Jul 1, 2022
Instrument	2022K034234

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

Interest

Rate Type	Fixed Rate
Rate	5.87%

Tax Assessment & Valuation

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	$6,023.00 (+25.79%) Homeowner's exemption	$86,957 (+8.57%) Land $18,096 Building $68,861	$260,975 (+8.57%) Land $54,310 Building $206,666
2024		$80,093 (+30.81%) Land $16,668 Building $63,425	$240,375 (+30.86%) Land $50,024 Building $190,351
2022	$4,788.00 (+4.75%) Homeowner's exemption	$61,228 (+6.96%) Land $13,730 Building $47,498	$183,684 (+6.96%) Land $41,190 Building $142,494
2021	$4,571.00 Homeowner's exemption	$57,244 Land $12,837 Building $44,407	$171,732 Land $38,511 Building $133,221

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 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

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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