460 Hubbard Ave, Elgin, IL 60123 Property Records

Kane County property record for 460 Hubbard Ave, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,088 sqft · built 1965
Lot Size	0.182 acres (7,920 sqft)
Owner	2 Individual Names on Record
Last Sale	$303,000 (Feb 2023)
Tax Bill	$7,871 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Feb 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-10-480-021`

Property Details

APN / Parcel Number

Primary APN	`06-10-480-021`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,088 sqft Living Area
Gross Area	2,784 sqft
1st Floor Area	2,088 sqft
Basement Area	696 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Split Level
Exterior Material	Brick
Lot Area	7,920 sqft (0.182 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	460 HUBBARD AVE
City	ELGIN
State	IL
Zip	60123-3412
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GREENACRES LOT 13 BLOCK 1
Legal Subdivision	GREENACRES
Legal Block	1
Legal Lot Number	13
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3004
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	460 HUBBARD AVE, ELGIN, IL 60123-3412
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2026	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Feb 28, 2023	Warranty Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION
Oct 2, 2020	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2023 · Amount on Record
Deed Sale	Feb 28, 2023 · Amount on Record
Prior Sale	Sep 25, 2012 · Amount on Record
Deed Document Number	20236036
Prior Transfer Date	Jun 6, 2002
Prior Transfer Doc	0000071613
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	460 HUBBARD AVE, ELGIN, IL 60123-3412
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	460 HUBBARD AVE, ELGIN, IL 60123-3412

Mortgage

Document Number	0000012258
Date	Mar 27, 2026
Instrument	2026K012258

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	4.62%
Change Frequency	6 Months

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Feb 28, 2023
Property Address	460 HUBBARD AVE, ELGIN, IL 60123-3412
Document Number	0000006036
Instrument Date	Feb 24, 2023
Instrument	2023K006036
Transaction Type	Transfer
Record Updated	Mar 8, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$303.00
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	460 HUBBARD AVE, ELGIN, IL 60123-3412

Mortgage

Document Number	0000006037
Date	Feb 28, 2023
Instrument	2023K006037

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

Interest

Rate	5.87%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	460 HUBBARD AVE, ELGIN, IL 60123-3412
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000058231
Date	Oct 2, 2020
Instrument	2020K058231

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 29, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$7,871.00 (+4.2%)	$111,173 (+8.57%) Land $23,511 Building $87,662	$333,652 (+8.57%) Land $70,561 Building $263,091
2024	$7,554.00 (+11.2%)	$102,397 (+21.39%) Land $21,655 Building $80,742	$307,314 (+21.44%) Land $64,991 Building $242,323
2022	$6,793.00 (+4.51%) Homeowner's exemption	$84,351 (+6.96%) Land $17,839 Building $66,512	$253,053 (+6.96%) Land $53,517 Building $199,536
2021	$6,500.00 Homeowner's exemption	$78,862 Land $16,678 Building $62,184	$236,586 Land $50,034 Building $186,552

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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