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453 Hubbard Ave, Elgin, IL 60123 Property Records

Kane County property record for 453 Hubbard Ave, Elgin, IL 60123

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,369 sqft · built 1958
Lot Size0.182 acres (7,920 sqft)
Owner2 Individual Names on File
Last Sale$265,000 (Oct 2022)
Tax Bill$6,339 (2025)
Deeds & MortgagesOct 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN06-10-482-004

Property Details

APN / Parcel Number

Primary APN06-10-482-004

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Stories1 Story
Building Area1,369 sqft Living Area
Gross Area2,738 sqft
1st Floor Area1,369 sqft
Basement Area1,369 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1958
Effective Year BuiltEffective 1958
Architectural StyleRanch
Exterior MaterialBrick
Lot Area7,920 sqft (0.182 acres)
Garage TypeAttached
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemHVAC
Water SourceCommercial

Location & Zoning

Street Address453 HUBBARD AVE
CityELGIN
StateIL
Zip60123-3411
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionGREENACRES LOT 22 BLOCK 4
Legal SubdivisionGREENACRES
Legal Block4
Legal Lot Number22
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group3
Census Block3007
Census Tract851102

Owner

453 Hubbard Ave is owned and occupied by two individuals who bought it in October 2022.

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

Owner of Record2 Individual Names on File
Mailing Address453 HUBBARD AVE, ELGIN, IL 60123-3411
OccupancyOwner Occupied
Owner TypeIndividual

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

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 11, 2022 · Amount on File
Deed SaleOct 11, 2022 · Amount on File
Prior SaleNov 23, 2016 · Amount on File
Deed Document Number202249964
Record UpdatedOct 29, 2026

October 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateOct 11, 2022
Property Address453 HUBBARD AVE, ELGIN, IL 60123-3411
Document Number0000049964
Instrument DateOct 7, 2022
Instrument2022K049964
Transaction TypeTransfer
Record UpdatedOct 17, 2022
Title CompanyFIDELITY NATIONAL TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$265.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address453 HUBBARD AVE, ELGIN, IL 60123-3411

Mortgage

Document Number0000049965
DateOct 11, 2022
Instrument2022K049965
Lender
NameFIRST CENTENNIAL MORTGAGE CO
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueNov 1, 2052
Interest
Rate TypeFixed Rate
Rate6.12%

Tax Assessment & Valuation

The 2025 property tax bill for 453 Hubbard Ave was $6,339 with a homeowner's exemption.

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionElgin Township
MunicipalityElgin City
Unified School DistrictSchool District U-46 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$6,339.00 Homeowner's exemption$91,101 (+8.57%) Land $23,511 Building $67,590$273,412 (+8.57%) Land $70,561 Building $202,851
2024$83,910 Land $21,655 Building $62,255$251,831 Land $64,991 Building $186,840
2022$5,473.00 (+4.65%) Homeowner's exemption$69,123 (+6.96%) Land $17,839 Building $51,284$207,369 (+6.96%) Land $53,517 Building $153,852
2021$5,230.00 Homeowner's exemption$64,625 Land $16,678 Building $47,947$193,875 Land $50,034 Building $143,841

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 453 Hubbard Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1982.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims1 (1982)
Claims Outside the SFHA1 of 1
Most Recent ClaimFeb 1982 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 453 Hubbard 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 RiskNot 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 SystemELGIN
serves 114,797 people · EPA ID IL0894380
Water SourceSurface water
Last State InspectionAug 2025
Lead19 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting8
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 302 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Astound Broadband
Cable		1,500 / 50
Verizon
Fixed Wireless		300 / 20
AT&T
DSL · Fiber in parts of the area		100 / 20

May also be available: T-Mobile.

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