Kane County property record for 455 N Commonwealth Ave, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,196 sqft · built 1952 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | Individual Name on File |
| Last Sale | $247,500 (Sep 2021) |
| Tax Bill | $6,777 (2025) |
| Deeds & Mortgages | Jul 2022 Line of Credit Sep 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-11-358-006 |
| Primary APN | 06-11-358-006 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,196 sqft Living Area |
| Gross Area | 2,392 sqft |
| 1st Floor Area | 1,196 sqft |
| Basement Area | 1,196 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Exterior Material | Brick |
| Lot Area | 13,068 sqft (0.3 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|
| Street Address | 455 N COMMONWEALTH AVE |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-3465 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MURRAY HILL ADDN LOTS 8 & 9 (EXCEPT EAST 33 FT) BLOCK 3 |
| Legal Subdivision | MURRAY HILL ADDN |
| Legal Block | 3 |
| Legal Lot Number | 8,9 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 851102 |
Source: Kane County records · APN 06-11-358-006
Assessment roll updated July 23, 2026 · Last verified August 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 | 455 N COMMONWEALTH AVE, ELGIN, IL 60123-3465 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 21, 2022 | Intrafamily Transfer, Transfer · Line of Credit FIRST STATE BANK |
| Sep 20, 2021 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 20, 2021 · Amount on Record |
| Deed Sale | Sep 20, 2021 · Amount on Record |
| Prior Sale | Nov 14, 2016 · Amount on Record |
| Deed Document Number | 202171152 |
| Last Transfer Date | Jun 23, 2022 |
| Transfer Doc | 0000037186 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jul 21, 2022 |
| Property Address | 455 N COMMONWEALTH AVE, ELGIN, IL 60123-3465 |
| Document Number | 0000037186 |
| Instrument Date | Jun 17, 2022 |
| Instrument | 2022K037186 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 455 N COMMONWEALTH AVE, ELGIN, IL 60123-3465 |
| Document Number | 0000037365 |
|---|---|
| Date | Jul 21, 2022 |
| Instrument | 2022K037365 |
| Name | FIRST STATE BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 21, 2042 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Sep 20, 2021 |
| Property Address | 455 N COMMONWEALTH AVE, ELGIN, IL 60123-3465 |
| Document Number | 0000071152 |
| Instrument Date | Sep 08, 2021 |
| Instrument | 2021K071152 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2021 |
| Title Company | ATG |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $247.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 455 N COMMONWEALTH AVE, ELGIN, IL 60123-3465 |
| Document Number | 0000071153 |
|---|---|
| Date | Sep 20, 2021 |
| Instrument | 2021K071153 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.94% |
Source: Kane County records · Assessment roll updated July 23, 2026 · Last verified August 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 | $6,777.00 (+15.85%) Homeowner's exemption | $96,835 (+8.57%) Land $25,864 Building $70,971 | $290,621 (+8.57%) Land $77,623 Building $212,998 |
| 2024 | $89,191 (+21.39%) Land $23,822 Building $65,369 | $267,680 (+21.44%) Land $71,495 Building $196,185 | |
| 2022 | $5,850.00 (+4.6%) Homeowner's exemption | $73,472 (+6.96%) Land $19,623 Building $53,849 | $220,416 (+6.96%) Land $58,869 Building $161,547 |
| 2021 | $5,593.00 Homeowner's exemption | $68,691 Land $18,346 Building $50,345 | $206,073 Land $55,038 Building $151,035 |
Source: FEMA National Flood Hazard Layer as of October 8, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (1982) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Feb 1982 · rainfall accumulation |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Radiate Holdings 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 USA.
Based on FCC filings for 382 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ELGIN serves 114,797 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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