Kane County property record for 450 Mill St, Elgin, IL 60123 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 6 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1965 |
| Square Footage | 1,728 sqft Living Area |
| Lot Size | 7,037 sqft (0.162 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $185,000 (2017) |
| Tax Bill | $4,748.00 (2025) |
Source: Kane County records · APN 06-14-176-035
Assessment roll updated August 25, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 450 MILL ST, ELGIN, IL 60123-5399 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 07, 2019 | Loan Modification, Mortgage · Federal Housing Administration (FHA) Mortgage FLAGSTAR BK |
| Dec 20, 2017 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage OCMBC INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 20, 2017 · Amount on Record |
| Deed Sale | Dec 20, 2017 · Amount on Record |
| Prior Sale | Mar 19, 1999 |
| Deed Doc Number | 201766236 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 450 MILL ST, ELGIN, IL 60123-5399 |
| Document Number | 0000052291 |
| Instrument Date | Oct 07, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 12, 2019 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 450 MILL ST ELGIN IL 601235399, ELGIN, IL 60123-5399 |
| Document Number | 0000052291 |
|---|---|
| Date | Oct 31, 2019 |
| Instrument | 52291 |
| Name | FLAGSTAR BK |
|---|---|
| Type | Bank |
| Address | FARMERS BRANCH, TX 75234 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 30, 2049 |
| Rate | 4.12% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Dec 20, 2017 |
| Property Address | 450 MILL ST, ELGIN, IL 60123-5399 |
| Document Number | 0000066236 |
| Instrument Date | Dec 04, 2017 |
| Instrument | 66236 |
| Transaction Type | Transfer |
| Record Updated | Nov 12, 2019 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $277.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 3034 PRAIRIE ST FRANKLIN PARK IL 601312345, FRANKLIN PARK, IL 60131-2345 |
| Document Number | 66237 |
|---|---|
| Date | Dec 20, 2017 |
| Instrument | 66237 |
| Name | OCMBC INC |
|---|---|
| Address | IRVINE, CA 92612 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 19, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.12% |
Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,748.00 (+13.21%) Homeowner's exemption Senior Citizen's exemption | ||
| 2024 | $72,069 (+21.39%) Land $14,042 Building $58,027 | $216,294 (+21.44%) Land $42,143 Building $174,151 | |
| 2022 | $4,194.00 (+5.64%) Homeowner's exemption | $59,368 (+6.96%) Land $11,567 Building $47,801 | $178,104 (+6.96%) Land $34,701 Building $143,403 |
| 2021 | $3,970.00 Homeowner's exemption | $55,505 Land $10,814 Building $44,691 | $166,515 Land $32,442 Building $134,073 |
Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 06-14-176-035 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Building Area | 1,728 sqft Living Area |
| Gross Area | 3,456 sqft Gross Area |
| 1st Floor | 1,728 sqft 1st Floor |
| Basement Area | 1,728 sqft Basement |
| Stories | 1 Stories |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Construction Type | Frame Construction |
| Lot Area | 7,037 sqft (0.162 acres) |
| Depth X Width | 132 ft x 53 ft Depth x Width |
| Street Address | 450 MILL ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-5399 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | COUNTY CLERKS SUB LOT 122 EAST OF & ADJ BEVERLYS ADDN |
| Legal Subdivision | COUNTY CLERKS SUB |
| Legal Block | 1 |
| Legal Lot Number | 122 |
| Jurisdiction | KANE IL |
| Minor Civil Division | ELGIN |
| Census Blockgroup | 1 |
| Census Block | 1006 |
| Census Tract | 851102 |
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