458 S Commonwealth Ave, Elgin, IL 60123 Property Records

Kane County property record for 458 S Commonwealth Ave, Elgin, IL 60123 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,899 sqft · built 1950
Lot Size	0.236 acres (10,260 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Nov 2022)
Tax Bill	$7,237 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Nov 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-23-103-019`

Property Details

APN / Parcel Number

Primary APN	`06-23-103-019`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,899 sqft Living Area
Gross Area	2,943 sqft
Basement Area	1,044 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Brick
Foundation Type	No Foundation
Lot Area	10,260 sqft (0.236 acres)
Lot Dimensions	190 ft deep x 540 ft wide
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	458 S COMMONWEALTH AVE
City	ELGIN
State	IL
Zip	60123-7324
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COUNTY CLERKS SUB LOT S BLOCK 13
Legal Subdivision	COUNTY CLERKS SUB
Legal Block	13
Legal Lot Number	S
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3013
Census Tract	854900

Owner

Source: Kane County records · APN 06-23-103-019

Assessment roll updated August 25, 2025 · Last verified July 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	458 S COMMONWEALTH AVE, ELGIN, IL 60123-7324
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2026	Quit Claim Deed, Transfer · Conventional Mortgage WINTRUST MORTGAGE
Nov 09, 2022	Deed, Transfer · Conventional Mortgage GENEVA FINANCIAL LLC
Apr 01, 2019	Deed of Trust, Mortgage · Conventional Mortgage WINTRUST MORTGAGE
Dec 20, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Sep 10, 2018	Trustee's Deed, Foreclosure · Conventional Mortgage WINTRUST MORTGAGE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 09, 2022 · Amount on Record
Deed Sale	Nov 09, 2022 · Amount on Record
Prior Sale	Sep 10, 2018 · Amount on Record
Deed Document Number	202254116
Last Transfer Date	Mar 20, 2026
Transfer Doc	0000026107
Record Updated	Sep 20, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Jun 23, 2026
Property Address	458 S COMMONWEALTH AVE, ELGIN, IL 60123-7324
Document Number	0000026107
Instrument Date	Mar 20, 2026
Instrument	202626107
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	458 S COMMONWEALTH AVE, ELGIN, IL 60123-7324
Investor	Possibly a Property Investor

Mortgage

Document Number	0000026108,
Date	Jun 23, 2026
Instrument	202626108

Lender

Name	WINTRUST MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.13%
Initial Type	Fixed Rate
Max Rate	-1%

November 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	Nov 09, 2022
Property Address	458 S COMMONWEALTH AVE, ELGIN, IL 60123-7324
Document Number	0000054116
Instrument Date	Nov 04, 2022
Instrument	2022K054116
Transaction Type	Transfer
Record Updated	Nov 16, 2022
Title Company	NOT AVAILABLE, CT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$220.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21466 OLD WALNUT CT, 21466, SOUTH BEND, IN 46628-9623

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	712 BUCKEYE ST, ELGIN, IL 60123-2829

Mortgage

Document Number	0000054117
Date	Nov 09, 2022
Instrument	2022K054117

Lender

Name	GENEVA FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2052

Interest

Rate Type	Fixed Rate
Rate	10.1%

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	458 S COMMONWEALTH AVE, ELGIN, IL 60123-7324
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012371
Date	Apr 01, 2019
Instrument	2019K012371

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Sep 01, 2048

Interest

Rate Type	Fixed Rate
Rate	4.62%

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Dec 20, 2018
Property Address	458 S COMMONWEALTH AVE, ELGIN, IL 60123-7324
Document Number	0000061158
Instrument Date	Dec 04, 2018
Instrument	61158
Transaction Type	Transfer
Record Updated	Jan 13, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	458 S COMMONWEALTH AVE ELGIN IL 601237324, ELGIN, IL 60123-7324

September 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	KANE IL
Recording Date	Sep 10, 2018
Property Address	458 S COMMONWEALTH AVE, ELGIN, IL 60123-7324
Document Number	0000044119
Instrument Date	Aug 21, 2018
Instrument	2018K044119
Transaction Type	Foreclosure
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$187.50
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	458 S COMMONWEALTH AVE, 458, ELGIN, IL 60123-7324

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	458 S COMMONWEALTH AVE, ELGIN, IL 60123-7324

Mortgage

Document Number	0000044120
Date	Sep 10, 2018
Instrument	2018K044120

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 01, 2048

Interest

Rate Type	Fixed Rate
Rate	4.62%

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 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

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	$7,237.00 (+50.8%) Homeowner's exemption
2024		$94,743 (+21.39%) Land $17,499 Building $77,244	$284,343 (+21.44%) Land $52,518 Building $231,825
2022	$4,799.00 (-2.81%) Homeowner's exemption	$78,046 (+6.96%) Land $14,415 Building $63,631	$234,138 (+6.96%) Land $43,245 Building $190,893
2021	$4,938.00 Homeowner's exemption	$72,967 Land $13,477 Building $59,490	$218,901 Land $40,431 Building $178,470

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 626 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Radiate Holdings	Cable	1,500 / 50
Verizon	Fixed Wireless	300 / 20
AT&T	DSL	100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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