456 Harrison St, Elgin, IL 60120 Property Records

Cook County property record for 456 Harrison St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,106 sqft · built 1909
Lot Size	0.174 acres (7,590 sqft)
Owner	2 Individual Names on File
Last Sale	$173,000 (Apr 2022)
Tax Bill	$4,515 (2023)
Deeds & Mortgages	Apr 2022 Sale & Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-19-109-008`

Property Details

APN / Parcel Number

Primary APN	`06-19-109-008`
Alternative APN	`06-19-109-008-0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,106 sqft Living Area
1st Floor Area	1,106 sqft

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1910
Architectural Style	Bungalow
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	7,590 sqft (0.174 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	456 HARRISON ST
City	ELGIN
State	IL
Zip	60120-8214
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	(VILLA)(PARK) ADD TO (HANOVER) SUB PT OF LT 2 IN NW SEC 19-41-09
Legal Range	09E
Legal Township	41N
Legal Section	19
Legal Subdivision	VILLA PARK ADD TO HANOVER
Legal Block	3
Legal Lot Number	2
Jurisdiction	COOK IL
Township / Civil Division	HANOVER
Census Block Group	1
Census Block	1010
Census Tract	804406

Owner

456 Harrison St is owned and occupied by two individuals who bought it in April 2022.

Source: Cook County records, as of May 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	456 HARRISON ST, ELGIN, IL 60120-8214
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Date	Document
Apr 7, 2022	Warranty Deed, Transfer · Conventional Mortgage MIDWEST COMMUNITY BANK
Nov 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Feb 13, 2018	Quit Claim Deed, Transfer CHICAGO TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 7, 2022 · Amount on File
Deed Sale	Apr 7, 2022 · Amount on File
Prior Sale	Apr 7, 2022 · Amount on File
Deed Document Number	2022733128
Prior Transfer Date	Nov 16, 2017
Prior Transfer Doc	0000045056
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Apr 7, 2022
Property Address	456 HARRISON ST, ELGIN, IL 60120-8214
Document Number	0009733128
Instrument Date	Mar 11, 2022
Instrument	2209733128
Transaction Type	Transfer
Record Updated	Apr 21, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$173.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	448 HARRISON ST, 448, ELGIN, IL 60120-8214

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	456 HARRISON ST, ELGIN, IL 60120-8214

Mortgage

Document Number	0009733129
Date	Apr 7, 2022
Instrument	2209733129

Lender

Name	MIDWEST COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2052

Interest

Rate Type	Fixed Rate
Rate	3.87%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	456 HARRISON ST, ELGIN, IL 60120-8214
Document Number	2100840202
Instrument Date	Nov 24, 2020
Transaction Type	Mortgage
Record Updated	Jan 20, 2021
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	456 HARRISON ST ELGIN IL 601208214, ELGIN, IL 60120-8214

Mortgage

Document Number	2100840202
Date	Jan 8, 2021
Instrument	840202

Lender

Name	NEWREZ LLC
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 7, 2051

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	COOK IL
Recording Date	Feb 13, 2018
Property Address	456 HARRISON ST, ELGIN, IL 60120-8214
Document Number	1804445056
Instrument Date	Nov 16, 2017
Instrument	4445056
Transaction Type	Transfer
Record Updated	Feb 20, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	448 HARRISON ST ELGIN IL 601208214, ELGIN, IL 60120-8214

Tax Assessment & Valuation

Source: Cook County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Cook County
County Subdivision	Hanover 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		$21,000 Land $5,313 Building $15,687	$210,000 Land $53,130 Building $156,870
2023	$4,515.00 (-15.05%)
2022	$5,315.00	$19,000 Land $3,036 Building $15,964	$190,000 Land $30,360 Building $159,640

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 456 Harrison St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective February 11, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	16 (1997–2020)
Claims Outside the SFHA	5 of 16
Most Recent Claim	May 2020 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 2 claims Severe Storms And Flooding, Sep 2008 · 7 claims

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 456 Harrison 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.

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 438 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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