457 Division St, Elgin, IL 60120 Property Records

Kane County property record for 457 Division St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,254 sqft · built 1900
Lot Size	0.55 acres (2,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$185,000 (Jan 2022)
Tax Bill	$4,078 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-13-257-003`

Property Details

APN / Parcel Number

Primary APN	`06-13-257-003`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,254 sqft Living Area
Gross Area	1,881 sqft
Basement Area	627 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	2,405 sqft (0.55 acres)
Lot Dimensions	65 ft deep x 37 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	457 DIVISION ST
City	ELGIN
State	IL
Zip	60120-5721
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WALKERS ADDN EAST 37 FT LOT 2 BLOCK 3
Legal Subdivision	WALKERS ADDN
Legal Block	3
Legal Lot Number	2
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3007
Census Tract	851301

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Elgin Historic District listed 1983 · 327 contributing resources · NRIS 83000318

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Kane County records, as of July 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	457 DIVISION ST, ELGIN, IL 60120-5721
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 19, 2022 · Amount on Record
Deed Sale	Jan 19, 2022 · Amount on Record
Prior Sale	Mar 18, 1998 · Amount on Record
Deed Document Number	20223482
Record Updated	Sep 20, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 19, 2022
Property Address	457 DIVISION ST, ELGIN, IL 60120-5721
Document Number	0000003482
Instrument Date	Dec 30, 2021
Instrument	2022K003482
Transaction Type	Transfer
Record Updated	Jan 26, 2022
Title Company	PRO TITLE GROUP INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$185.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	575 PAMELA ST, GILBERTS, IL 60136-9741

Mortgage

Document Number	0000003483
Date	Jan 19, 2022
Instrument	2022K003483

Lender

Name	NEIGHBORHOOD LOANS
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate
Rate	3.25%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 2025

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	$4,078.00 (+15.75%) Homeowner's exemption
2024		$57,179 (+22.6%) Land $8,578 Building $48,601	$171,606 (+22.65%) Land $25,744 Building $145,861
2022	$3,523.00 (-9.43%) Homeowner's exemption	$46,637 (+6.96%) Land $7,067 Building $39,570	$139,911 (+6.96%) Land $21,201 Building $118,710
2021	$3,890.00	$43,602 Land $6,607 Building $36,995	$130,806 Land $19,821 Building $110,985

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

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 545 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
Fox Valley Internet Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile, Verizon.

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