Kane County property record for 461 Miller Dr, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,329 sqft · built 1948 |
| Lot Size | 0.107 acres (4,654 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $266,000 (Jul 2023) |
| Tax Bill | $6,035 (2025) |
| Deeds & Mortgages | Jul 2023 Sale & Mortgage May 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-22-278-001 |
| Primary APN | 06-22-278-001 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 5 Stories |
| Building Area | 1,329 sqft Living Area |
| Gross Area | 2,215 sqft |
| Basement Area | 886 sqft |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 4,654 sqft (0.107 acres) |
| Lot Width | 55 ft Width |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 461 MILLER DR |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-7232 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUNSET PARK LOT 34 BLOCK 4 |
| Legal Subdivision | SUNSET PARK |
| Legal Block | 4 |
| Legal Lot Number | 34 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 854900 |
Source: Kane County records, as of August 17, 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 | 629 SLADE AVE, ELGIN, IL 60120-3029 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jul 31, 2023 | Warranty Deed, Transfer · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP |
| May 17, 2021 | Warranty Deed, Transfer · Conventional Mortgage FIRST AMERICAN BANK |
| Dec 18, 2017 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 31, 2023 · Amount on Record |
| Deed Sale | Jul 31, 2023 · Amount on Record |
| Prior Sale | May 17, 2021 · Amount on Record |
| Deed Document Number | 202325894 |
| Prior Transfer Date | Jul 18, 2003 |
| Prior Transfer Doc | 0000161337 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jul 31, 2023 |
| Property Address | 461 MILLER DR, ELGIN, IL 60123-7232 |
| Document Number | 0000025894 |
| Instrument Date | Jul 28, 2023 |
| Instrument | 2023K025894 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2023 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $266.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 461 MILLER DR, ELGIN, IL 60123-7232 |
| Investor | Possibly a Property Investor |
| Document Number | 0000025895 |
|---|---|
| Date | Jul 31, 2023 |
| Instrument | 2023K025895 |
| Name | FIRST CENTENNIAL MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.62% |
| Document Number | 0000025896 |
|---|---|
| Date | Jul 31, 2023 |
| Instrument | 2023K025896 |
| Name | ILLINOIS HOUSING DEVELOPMENT AUTHORITY |
|---|---|
| Type | Government Agency |
| Address | CHICAGO, IL 60601 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | May 17, 2021 |
| Property Address | 461 MILLER DR, ELGIN, IL 60123-7232 |
| Document Number | 0000038197 |
| Instrument Date | Apr 8, 2021 |
| Instrument | 2021K038197 |
| Transaction Type | Transfer |
| Record Updated | May 27, 2021 |
| Title Company | ATTORNEY'S TITLE, ATTORNEYS TTL GUARANTY FUND |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $190.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 461 MILLER DR, ELGIN, IL 60123-7232 |
| Document Number | 0000038198 |
|---|---|
| Date | May 17, 2021 |
| Instrument | 2021K038198 |
| Name | FIRST AMERICAN BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Dec 18, 2017 |
| Property Address | 461 MILLER DR, ELGIN, IL 60123-7232 |
| Document Number | 0000065615 |
| Instrument Date | Dec 15, 2017 |
| Instrument | 2017K065615 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | GLOBAL AMERICAN TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $190.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | IL 00000 |
| Name | Verified Name |
|---|---|
| Address | 461 MILLER DR, ELGIN, IL 60123-7232 |
| Document Number | 0000065616 |
|---|---|
| Date | Dec 18, 2017 |
| Instrument | 2017K065616 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.37% |
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,035.00 (+15.83%) | $87,111 (+8.57%) Land $18,293 Building $68,818 | $261,438 (+8.57%) Land $54,901 Building $206,537 |
| 2024 | $80,235 (+21.39%) Land $16,849 Building $63,386 | $240,801 (+21.44%) Land $50,567 Building $190,234 | |
| 2022 | $5,210.00 (-5.5%) Homeowner's exemption | $66,095 (+6.96%) Land $13,880 Building $52,215 | $198,285 (+6.96%) Land $41,640 Building $156,645 |
| 2021 | $5,513.00 | $61,794 Land $12,977 Building $48,817 | $185,382 Land $38,931 Building $146,451 |
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.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 626 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 |
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