449 Hubbard Ave, Elgin, IL 60123 Property Records

Kane County property record for 449 Hubbard Ave, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,608 sqft · built 1960
Lot Size	0.182 acres (7,920 sqft)
Owner	Individual Name on File
Last Sale	$118,500 (Jun 2018)
Tax Bill	$6,658 (2025)
Deeds & Mortgages	Mar 2019 Mortgage Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-10-482-005`

Property Details

APN / Parcel Number

Primary APN	`06-10-482-005`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,608 sqft Living Area
Gross Area	2,328 sqft
1st Floor Area	1,608 sqft
Basement Area	720 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Brick
Lot Area	7,920 sqft (0.182 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	449 HUBBARD AVE
City	ELGIN
State	IL
Zip	60123-3411
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GREENACRES LOT 21 BLOCK 4
Legal Subdivision	GREENACRES
Legal Block	4
Legal Lot Number	21
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3007
Census Tract	851102

Owner

449 Hubbard Ave is owned and occupied by an individual who bought it in June 2018.

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

Owner of Record	Individual Name on File
Mailing Address	449 HUBBARD AVE, ELGIN, IL 60123-3411
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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 6, 2019	Deed of Trust, Mortgage · Conventional Mortgage MIDWEST COMMUNITY BANK
Sep 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Dec 3, 2019	Deed of Trust, Mortgage CALIBER HM LOANS
Jun 14, 2018	Warranty Deed, Transfer · Conventional Mortgage MIDWEST COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 14, 2018 · Amount on File
Deed Sale	Jun 14, 2018 · Amount on File
Deed Document Number	201828083
Record Updated	Oct 29, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	449 HUBBARD AVE, ELGIN, IL 60123-3411
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	STARCK TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008695
Date	Mar 6, 2019
Instrument	2019K008695

Lender

Name	MIDWEST COMMUNITY BANK
Type	Bank
Address	SAINT CHARLES, IL 60174

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	352 Months
Due	Jul 1, 2048

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	449 HUBBARD AVE, ELGIN, IL 60123-3411
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000051054
Date	Sep 8, 2020
Instrument	2020K051054

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	449 HUBBARD AVE, ELGIN, IL 60123-3411
Document Number	0000061268
Instrument Date	Dec 3, 2019
Transaction Type	Mortgage
Record Updated	Jan 2, 2020
Title Company	NEAR NORTH NATIONAL TITLE, NEAR NORTH NAT'L TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	449 HUBBARD AVE ELGIN IL 601233411, ELGIN, IL 60123-3411

Mortgage

Document Number	0000061268
Date	Dec 18, 2019
Instrument	61268

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 17, 2049

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 14, 2018
Property Address	449 HUBBARD AVE, ELGIN, IL 60123-3411
Document Number	0000028083
Instrument Date	Jun 5, 2018
Instrument	2018K028083
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Tax	$118.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	449 HUBBARD AVE, ELGIN, IL 60123-3411

Mortgage

Document Number	0000028084
Date	Jun 14, 2018
Instrument	2018K028084

Lender

Name	MIDWEST COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 449 Hubbard Ave was $6,658 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	$6,658.00 Homeowner's exemption	$95,281 (+8.57%) Land $23,511 Building $71,770	$285,957 (+8.57%) Land $70,561 Building $215,396
2024		$87,760 Land $21,655 Building $66,105	$263,385 Land $64,991 Building $198,394
2022	$5,748.00 (+4.62%) Homeowner's exemption	$72,294 (+6.96%) Land $17,839 Building $54,455	$216,882 (+6.96%) Land $53,517 Building $163,365
2021	$5,494.00 Homeowner's exemption	$67,590 Land $16,678 Building $50,912	$202,770 Land $50,034 Building $152,736

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 449 Hubbard Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1982.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · 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 Claims	1 (1982)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 1982 · 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.

Wildfire

The area around 449 Hubbard 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.

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 302 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
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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