Kane County property record for 450 Villa St, Elgin, IL 60120
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,584 sqft · built 1900 |
| Lot Size | 0.161 acres (6,996 sqft) |
| Owner | Individual Name on File |
| Last Sale | $215,000 (Jun 2022) |
| Tax Bill | $4,616 (2025) |
| Deeds & Mortgages | Jan 2024 Second Mortgage Jun 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-13-457-023 |
| Primary APN | 06-13-457-023 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,584 sqft Living Area |
| Gross Area | 2,418 sqft |
| Basement Area | 834 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Construction Type | Frame |
| Lot Area | 6,996 sqft (0.161 acres) |
| Lot Dimensions | 132 ft deep x 53 ft wide |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Street Address | 450 VILLA ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-6790 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | JAMES BARRETTS 2ND ADD - LOT 9 EX ELY PT (BEING 62 FT ON SOUTH LINE & 44.5 FT ON NORTH LINE) |
| Legal Subdivision | JAMES BARRETTS 2ND ADD |
| Legal Block | 2 |
| Legal Lot Number | 9 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 851301 |
450 Villa St is owned and occupied by an individual who bought it in June 2022.
Source: Kane County records, as of October 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 450 VILLA ST, ELGIN, IL 60120-6790 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 4, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC |
| Jun 14, 2022 | Warranty Deed, Transfer · Conventional Mortgage NEIGHBORHOOD LOANS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 14, 2022 · Amount on File |
| Deed Sale | Jun 14, 2022 · Amount on File |
| Prior Sale | Dec 29, 2003 · Amount on File |
| Deed Document Number | 202231130 |
| Prior Transfer Date | Aug 9, 1997 |
| Prior Transfer Doc | 0000058881 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 450 VILLA ST, ELGIN, IL 60120-6790 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 450 VILLA ST, ELGIN, IL 60120-6790 |
| Document Number | 0000000343 |
|---|---|
| Date | Jan 4, 2024 |
| Instrument | 2024K000343 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ASHVILLE, AL 35953 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 342 Months |
| Due | Jul 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jun 14, 2022 |
| Property Address | 450 VILLA ST, ELGIN, IL 60120-6790 |
| Document Number | 0000031130 |
| Instrument Date | May 12, 2022 |
| Instrument | 2022K031130 |
| Transaction Type | Transfer |
| Record Updated | Jun 20, 2022 |
| Title Company | ATTORNEY'S TITLE, ATTORNEYS TTL GUARANTY FUND |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $215.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 450 VILLA ST, ELGIN, IL 60120-6790 |
| Document Number | 0000031131 |
|---|---|
| Date | Jun 14, 2022 |
| Instrument | 2022K031131 |
| Name | NEIGHBORHOOD LOANS |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2052 |
The 2025 property tax bill for 450 Villa St was $4,616 with a homeowner's exemption, up 4.7% from the year before.
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,616.00 (+4.67%) Homeowner's exemption | $68,517 (+8.57%) Land $15,416 Building $53,101 | $205,633 (+8.57%) Land $46,267 Building $159,367 |
| 2024 | $4,410.00 | $63,108 Land $14,199 Building $48,909 | $189,400 Land $42,614 Building $146,786 |
| 2022 | $4,190.00 (+3.97%) | $48,324 (+6.96%) Land $11,697 Building $36,627 | $144,972 (+6.96%) Land $35,091 Building $109,881 |
| 2021 | $4,030.00 | $45,180 Land $10,936 Building $34,244 | $135,540 Land $32,808 Building $102,732 |
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.
FEMA maps place 450 Villa St 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.
The area around 450 Villa St 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 515 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Astound Broadband Cable · Fiber in parts of the area | 1,500 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T, Fox Valley Internet, T-Mobile.
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