459 Hubbard Ave, Elgin, IL 60123 Property Records

Kane County property record for 459 Hubbard Ave, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,990 sqft · built 1959
Lot Size	0.182 acres (7,920 sqft)
Owner	2 Individual Names on Record
Last Sale	$150,000 (Dec 2012)
Tax Bill	$7,164 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-10-482-003`

Property Details

APN / Parcel Number

Primary APN	`06-10-482-003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,990 sqft Living Area
1st Floor Area	1,990 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Brick
Foundation Type	Raised
Lot Area	7,920 sqft (0.182 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	459 HUBBARD AVE
City	ELGIN
State	IL
Zip	60123-3411
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GREENACRES LOT 23 BLOCK 4
Legal Subdivision	GREENACRES
Legal Block	4
Legal Lot Number	23
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3007
Census Tract	851102

Owner

Source: Kane County records, as of July 23, 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	459 HUBBARD AVE, ELGIN, IL 60123-3411
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2012 · Amount on Record
Deed Sale	Dec 10, 2012 · Amount on Record
Deed Document Number	201286227
Prior Transfer Date	Dec 6, 2011
Prior Transfer Doc	0000075859
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	Jun 12, 2026
Property Address	459 HUBBARD AVE, ELGIN, IL 60123-3411
Document Number	0000024427
Instrument Date	May 28, 2026
Instrument	202624427
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	459 HUBBARD AVE, ELGIN, IL 60123-3411
Investor	Possibly a Property Investor

Mortgage

Document Number	0000024427,
Date	Jun 12, 2026
Instrument	202624427

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 28, 2056

Interest

Rate	6.3%
Max Rate	-1%

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,164.00 (+2.07%) Homeowner's exemption	$103,914 (+8.57%) Land $23,511 Building $80,403	$311,867 (+8.57%) Land $70,561 Building $241,306
2024	$7,019.00 (+11.13%)	$95,711 (+21.39%) Land $21,655 Building $74,056	$287,248 (+21.44%) Land $64,991 Building $222,257
2022	$6,316.00 (+4.55%) Homeowner's exemption	$78,844 (+6.96%) Land $17,839 Building $61,005	$236,532 (+6.96%) Land $53,517 Building $183,015
2021	$6,041.00 Homeowner's exemption	$73,713 Land $16,678 Building $57,035	$221,139 Land $50,034 Building $171,105

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 · OpenFEMA NFIP redacted claims and policies, as of September 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

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

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 302 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
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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