461 Division St, Elgin, IL 60120 Property Records

Kane County property record for 461 Division St, Elgin, IL 60120 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	1 Baths
Year Built	Built 1900
Square Footage	1,169 sqft Living Area
Lot Size	4,290 sqft (0.98 acres)
Occupancy	Owner Occupied
Last Sale	$143,000 (2018)
Tax Bill	$4,232.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`06-13-257-004`

Interior

Bedrooms	3 Beds
Full Baths	1 Baths
Total Rooms	7 Rooms
Building Area	1,169 sqft Living Area
Gross Area	1,813 sqft Gross Area
Basement Area	644 sqft Basement
Stories	2 Stories

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional Style
Construction Type	Frame Construction
Lot Area	4,290 sqft (0.98 acres)
Depth X Width	65 ft x 66 ft Depth x Width
Parking Spaces	1 Parking Spaces
Garage Type	Attached Garage

Utilities and HVAC

Cooling System	HVAC Cooling
Water Source	Commercial Water Source

Location & Zoning

Street Address	461 DIVISION ST
City	ELGIN
State	IL
Zip	60120-5721
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	WALKERS ADDN WEST 1/2 OF LOT 3 BLOCK 3
Legal Subdivision	WALKERS ADDN
Legal Block	3
Legal Lot Number	3
Jurisdiction	KANE IL
Minor Civil Division	ELGIN
Census Blockgroup	3
Census Block	3007
Census Tract	851301

Owner

Source: Kane County records · APN 06-13-257-004

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	461 DIVISION ST, ELGIN, IL 60120-5721
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 22, 2018 · Amount on Record
Deed Sale	Oct 22, 2018 · Amount on Record
Prior Sale	May 07, 2014 · Amount on Record
Deed Doc Number	201851491
Record Refreshed	Sep 20, 2026

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 22, 2018
Property Address	461 DIVISION ST, ELGIN, IL 60120-5721
Document Number	0000051491
Instrument Date	Oct 17, 2018
Instrument	2018K051491
Transaction Type	Transfer
Record Updated	Aug 05, 2022
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$143.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	461 DIVISION ST, ELGIN, IL 60120-5721

Mortgage

Document Number	0000051492
Date	Oct 22, 2018
Instrument	2018K051492

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 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	$4,232.00 (+15.75%) Homeowner's exemption
2024		$58,472 (+21.39%) Land $11,362 Building $47,110	$175,486 (+21.44%) Land $34,100 Building $141,387
2022	$3,656.00 (+5%) Homeowner's exemption	$48,167 (+6.96%) Land $9,360 Building $38,807	$144,501 (+6.96%) Land $28,080 Building $116,421
2021	$3,482.00 Homeowner's exemption	$45,033 Land $8,751 Building $36,282	$135,099 Land $26,253 Building $108,846

Flood & Wildfire

461 Division St is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.

Flood

Source: FEMA National Flood Hazard Layer · Kane County (17089C), updated October 8, 2026

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

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

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

Historic Designation

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

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.