449 Lincoln Ave, Elgin, IL 60120 Property Records

Kane County property record for 449 Lincoln Ave, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,127 sqft · built 1944
Lot Size	0.102 acres (4,464 sqft)
Owner	2 Individual Names on File
Last Sale	$205,000 (Sep 2021)
Tax Bill	$6,194 (2025)
Deeds & Mortgages	Jan 2022 Transfer Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-12-329-003`

Property Details

APN / Parcel Number

Primary APN	`06-12-329-003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,127 sqft Living Area
Gross Area	3,234 sqft
Basement Area	1,107 sqft

Exterior

Year Built	Built 1944
Effective Year Built	Effective 1944
Construction Type	Frame
Lot Area	4,464 sqft (0.102 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	449 LINCOLN AVE
City	ELGIN
State	IL
Zip	60120-3073
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LINCOLN ADDN EXCEPT WEST 53 FT LOT 1 BLOCK 2
Legal Subdivision	LINCOLN ADDN
Legal Block	2
Legal Lot Number	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	5
Census Block	5011
Census Tract	850800

Owner

449 Lincoln Ave is owned and occupied by two individuals who bought it in September 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	449 LINCOLN AVE, ELGIN, IL 60120-3073
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
Jan 27, 2022	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Sep 16, 2021	Warranty Deed, Transfer · FHA Mortgage FIRST CENTENNIAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2021 · Amount on File
Deed Sale	Sep 16, 2021 · Amount on File
Prior Sale	May 8, 1996 · Amount on File
Deed Document Number	202170566
Record Updated	Oct 29, 2026

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Jan 27, 2022
Property Address	449 LINCOLN AVE, ELGIN, IL 60120-3073
Document Number	0000005253
Instrument Date	Jan 7, 2022
Instrument	2022K005253
Transaction Type	Transfer
Record Updated	Aug 5, 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	Joint Tenants with Right of Survivorship
Address	449 LINCOLN AVE, ELGIN, IL 60120-3073

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 16, 2021
Property Address	449 LINCOLN AVE, ELGIN, IL 60120-3073
Document Number	0000070566
Instrument Date	Aug 27, 2021
Instrument	2021K070566
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$205.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	370 DOUGLAS AVE APT 1, 1, ELGIN, IL 60120-4179

Mortgage

Document Number	0000070567
Date	Sep 16, 2021
Instrument	2021K070567

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3%

Tax Assessment & Valuation

The 2025 property tax bill for 449 Lincoln Ave was $6,194 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	$6,194.00 Homeowner's exemption	$89,193 (+8.57%) Land $14,377 Building $74,816	$267,686 (+8.57%) Land $43,148 Building $224,538
2024		$82,152 Land $13,242 Building $68,910	$246,555 Land $39,742 Building $206,813
2022	$4,900.00 (+4.72%) Homeowner's exemption	$62,513 (+6.96%) Land $10,908 Building $51,605	$187,539 (+6.96%) Land $32,724 Building $154,815
2021	$4,679.00 Homeowner's exemption	$58,445 Land $10,198 Building $48,247	$175,335 Land $30,594 Building $144,741

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 449 Lincoln Ave 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 449 Lincoln 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 592 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	100 / 20

May also be available: Verizon.

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