451 Jefferson Ave, Elgin, IL 60120 Property Records

Kane County property record for 451 Jefferson Ave, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,544 sqft · built 1900
Lot Size	0.178 acres (7,739 sqft)
Owner	Individual Name on Record
Tax Bill	$4,434 (2025)
Deeds & Mortgages	Oct 2021 Line of Credit Aug 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`06-12-451-027`

Property Details

APN / Parcel Number

Primary APN	`06-12-451-027`

Interior

Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,544 sqft Living Area
Gross Area	2,428 sqft
Basement Area	884 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	7,739 sqft (0.178 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	451 JEFFERSON AVE
City	ELGIN
State	IL
Zip	60120-5235
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	I S BARTLETTS ADDN LOT 14 (EXCEPT WESTERLY 1 FT)
Legal Subdivision	I S BARTLETTS ADDN
Legal Block	1
Legal Lot Number	14
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1002
Census Tract	851302

Owner

Source: Kane County records, as of July 23, 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 Record
Mailing Address	451 JEFFERSON AVE, ELGIN, IL 60120-5235
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2021	Deed of Trust, Mortgage · Line of Credit ASSOCIATED BANK NA
Aug 31, 2021	Intrafamily Transfer, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jun 29, 2021
Transfer Doc	0000066717
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	451 JEFFERSON AVE, ELGIN, IL 60120-5235
Transaction Type	Mortgage
Record Updated	Oct 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000077047
Date	Oct 12, 2021
Instrument	2021K077047

Lender

Name	ASSOCIATED BANK NA
Type	Bank
Address	GREEN BAY, WI 54301

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly
Min Rate At Change	2.5%
Max Rate	18%

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Aug 31, 2021
Property Address	451 JEFFERSON AVE, ELGIN, IL 60120-5235
Document Number	0000066717
Instrument Date	Jun 29, 2021
Instrument	2021K066717
Transaction Type	Transfer
Record Updated	Sep 7, 2021
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

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
Address	451 JEFFERSON AVE, ELGIN, IL 60120-5235
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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	$4,434.00 (+10.02%) Homeowner's exemption Senior Citizen's exemption	$74,130 (+8.57%) Land $19,552 Building $54,578	$222,479 (+8.57%) Land $58,679 Building $163,800
2024		$68,279 (+30.1%) Land $18,009 Building $50,270	$204,919 (+30.15%) Land $54,049 Building $150,870
2022	$4,030.00 (+4.89%) Homeowner's exemption	$52,481 (+6.96%) Land $14,835 Building $37,646	$157,443 (+6.96%) Land $44,505 Building $112,938
2021	$3,842.00 Homeowner's exemption	$49,066 Land $13,870 Building $35,196	$147,198 Land $41,610 Building $105,588

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

Flood

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

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 625 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 · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Fox Valley Internet, T-Mobile.

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