462 Churchill Dr, Elgin, IL 60124 Property Records

Kane County property record for 462 Churchill Dr, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,330 sqft · built 2007
Owner	2 Individual Names on Record
Last Sale	$234,500 (Jul 2021)
Tax Bill	$4,247 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Nov 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-18-227-022`

Property Details

APN / Parcel Number

Primary APN	`06-18-227-022`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,330 sqft Living Area
Gross Area	2,660 sqft
1st Floor Area	1,330 sqft
Basement Area	1,330 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Condo/Apartment
Construction Type	Frame

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	462 CHURCHILL DR
City	ELGIN
State	IL
Zip	60124-8032
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WEST RIDGE VILLAGE CONDO 2ND AMENDMENT UNIT 7-1
Legal Subdivision	WEST RIDGE VILLAGE CONDO
Legal Block	4
Legal Lot Number	5
Legal Unit	7
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4013
Census Tract	851904

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	462 CHURCHILL DR, ELGIN, IL 60124-8032
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2026	Deed of Trust, Mortgage · Line of Credit GUARANTEED RATE INC
Nov 30, 2018	Deed of Trust, Mortgage · Commercial Mortgage OLD SECOND NATIONAL BANK
Jul 7, 2021	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Mar 4, 2019	Warranty Deed, Transfer · Conventional Mortgage THE FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2021 · Amount on Record
Deed Sale	Jul 7, 2021 · Amount on Record
Prior Sale	Mar 4, 2019 · Amount on Record
Deed Document Number	202151920
Prior Transfer Date	Oct 26, 2009
Prior Transfer Doc	0000011346
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	462 CHURCHILL DR, ELGIN, IL 60124-8032
Transaction Type	Mortgage
Record Updated	Mar 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007122
Date	Feb 23, 2026
Instrument	2026K007122

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 22, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	462 CHURCHILL DR, ELGIN, IL 60124-8032
Transaction Type	Mortgage
Record Updated	Jul 27, 2021
Title Company	FOX TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000057809
Date	Nov 30, 2018
Instrument	2018K057809

Lender

Name	OLD SECOND NATIONAL BANK
Type	Bank
Address	ELGIN, IL 60124

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 25, 2048

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Change Frequency	Monthly
Min Rate At Change	6.75%
Max Rate	18%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 7, 2021
Property Address	462 CHURCHILL DR, ELGIN, IL 60124-8032
Document Number	0000051920
Map Reference	DOC 2005K022854
Instrument Date	Jun 28, 2021
Instrument	2021K051920
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$234.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4102 CHURCHILL DR, ELGIN, IL 60120

Mortgage

Document Number	0000051921
Date	Jul 7, 2021
Instrument	2021K051921

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Mar 4, 2019
Property Address	462 CHURCHILL DR, ELGIN, IL 60124-8032
Document Number	0000008248
Instrument Date	Feb 27, 2019
Instrument	2019K008248
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$307.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	462 CHURCHILL DR, ELGIN, IL 60124-8032

Mortgage

Document Number	0000008249
Date	Mar 4, 2019
Instrument	2019K008249

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4.5%

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	Central Community Unit School District 301 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,247.00 (-25.16%) Homeowner's exemption Senior Citizen's exemption	$92,569 (+8.57%) Land $21,453 Building $71,116	$277,818 (+8.57%) Land $64,385 Building $213,433
2024		$85,262 (+21.39%) Land $19,760 Building $65,502	$255,888 (+21.44%) Land $59,304 Building $196,585
2022	$5,675.00 (-0.3%) Homeowner's exemption	$70,236 (+6.96%) Land $16,278 Building $53,958	$210,708 (+6.96%) Land $48,834 Building $161,874
2021	$5,692.00 Homeowner's exemption	$65,666 Land $15,219 Building $50,447	$196,998 Land $45,657 Building $151,341

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 Policies	2 in force
Nearby Flood Claims	1 (2000)
Most Recent Claim	Jun 2000

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 191 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50

May also be available: Verizon.

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