450 Summit St, Elgin, IL 60120 Property Records

Kane County property record for 450 Summit St, Elgin, IL 60120 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,997 sqft · built 1900
Lot Size	0.182 acres (7,920 sqft)
Owner	Individual Name on File
Last Sale	$75,000 (Nov 2022)
Tax Bill	$5,105 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-12-381-027`

Property Details

APN / Parcel Number

Primary APN	`06-12-381-027`

Interior

Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,997 sqft Living Area
Gross Area	3,104 sqft
Basement Area	1,107 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	7,920 sqft (0.182 acres)
Lot Dimensions	132 ft deep x 60 ft wide

Location & Zoning

Street Address	450 SUMMIT ST
City	ELGIN
State	IL
Zip	60120-3829
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COUNTY CLERKS SUB PART LOT 228 BEING WEST 60 FT EAST 193.56 FT ON NORTH LINE & WEST 60 FT EAST 112.38 FT ON SOUTH LINE
Legal Subdivision	COUNTY CLERKS SUB
Legal Block	1
Legal Lot Number	228
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1003
Census Tract	851302

Owner

Source: Kane County records · APN 06-12-381-027

Assessment roll updated December 26, 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	Individual Name on File
Mailing Address	450 SUMMIT ST, ELGIN, IL 60120-3829
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 14, 2022 · Amount on Record
Deed Sale	Nov 14, 2022 · Amount on Record
Prior Sale	Sep 25, 1995 · Amount on Record
Deed Document Number	202254701
Record Updated	Sep 20, 2026

November 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	Nov 14, 2022
Property Address	450 SUMMIT ST, ELGIN, IL 60120-3829
Document Number	0000054701
Instrument Date	Oct 24, 2022
Instrument	2022K054701
Transaction Type	Transfer
Record Updated	Aug 22, 2023
Title Company	CHICAGO TITLE LAND TRUST CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$75.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2443 WARRENVILLE RD # 125, 125, LISLE, IL 60532-3673

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	450 SUMMIT ST, ELGIN, IL 60120-3829

Mortgage

Document Number	0000054702
Date	Nov 14, 2022
Instrument	2022K054702

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2052

Interest

Rate Type	Fixed Rate
Rate	6.25%

Mortgage

Document Number	0000054703
Date	Nov 14, 2022
Instrument	2022K054703

Lender

Name	ILLINOIS HOUSING DEVELOPMENT AUTHORITY
Type	Government Agency
Address	CHICAGO, IL 60601

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Dec 01, 2027

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated December 26, 2025 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,105.00 (+3.57%) Homeowner's exemption
2024		$69,005 (+21.39%) Land $15,739 Building $53,266	$207,098 (+21.44%) Land $47,236 Building $159,862
2022	$4,929.00 (+3.97%)	$56,844 (+6.96%) Land $12,965 Building $43,879	$170,532 (+6.96%) Land $38,895 Building $131,637
2021	$4,741.00	$53,145 Land $12,121 Building $41,024	$159,435 Land $36,363 Building $123,072

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 625 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Radiate Holdings	Cable	1,500 / 50
AT&T	DSL	100 / 20

May also be available at this address: AT&T, Opiquad, T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on Summit St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures