464 N Commonwealth Ave, Elgin, IL 60123 Property Records

Kane County property record for 464 N Commonwealth Ave, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,304 sqft · built 1955
Lot Size	0.183 acres (7,980 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (Jul 2021)
Tax Bill	$6,114 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-11-356-007`

Property Details

APN / Parcel Number

Primary APN	`06-11-356-007`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,304 sqft Living Area
Gross Area	2,608 sqft
1st Floor Area	1,304 sqft
Basement Area	1,304 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Construction Type	Frame
Lot Area	7,980 sqft (0.183 acres)
Lot Dimensions	133 ft deep x 60 ft wide
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	464 N COMMONWEALTH AVE
City	ELGIN
State	IL
Zip	60123-3418
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GREENACRES LOT 2 BLOCK 5
Legal Subdivision	GREENACRES
Legal Block	5
Legal Lot Number	2
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3006
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	464 N COMMONWEALTH AVE, ELGIN, IL 60123-3418
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2021	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Jan 27, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage GUARANTEED RATE INC
Sep 10, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2021 · Amount on Record
Deed Sale	Jul 30, 2021 · Amount on Record
Prior Sale	Dec 22, 2015
Deed Document Number	202158296
Prior Transfer Date	Jan 8, 2021
Prior Transfer Doc	0000007123
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 30, 2021
Property Address	464 N COMMONWEALTH AVE, ELGIN, IL 60123-3418
Document Number	0000058296
Instrument Date	Jun 14, 2021
Instrument	2021K058296
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$250.00
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	464 S COMMONWEALTH AVE, ELGIN, IL 60123-7324

Mortgage

Document Number	0000058297
Date	Jul 30, 2021
Instrument	2021K058297

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Jan 27, 2021
Property Address	464 N COMMONWEALTH AVE, ELGIN, IL 60123-3418
Document Number	0000007123
Instrument Date	Jan 8, 2021
Instrument	2021K007123
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	EAVENSWOOD TITLE COMPANY LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	464 N COMMONWEALTH AVE, ELGIN, IL 60123-3418

Mortgage

Document Number	0000007124
Date	Jan 27, 2021
Instrument	2021K007124

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2036

Interest

Rate Type	Fixed Rate
Rate	2.25%

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	464 N COMMONWEALTH AVE, ELGIN, IL 60123-3418
Document Number	0000045364
Instrument Date	Sep 10, 2018
Transaction Type	Mortgage
Record Updated	Sep 27, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	464 N COMMONWEALTH AVE ELGIN IL 601233418, ELGIN, IL 60123-3418

Mortgage

Document Number	0000045364
Date	Sep 17, 2018
Instrument	45364

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 16, 2038

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	$6,114.00 (+15.84%) Homeowner's exemption	$88,141 (+8.57%) Land $23,511 Building $64,630	$264,529 (+8.57%) Land $70,561 Building $193,968
2024		$81,183 (+21.39%) Land $21,655 Building $59,528	$243,646 (+21.44%) Land $64,991 Building $178,655
2022	$5,278.00 (+4.68%) Homeowner's exemption	$66,876 (+6.96%) Land $17,839 Building $49,037	$200,628 (+6.96%) Land $53,517 Building $147,111
2021	$5,042.00 Homeowner's exemption	$62,524 Land $16,678 Building $45,846	$187,572 Land $50,034 Building $137,538

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 382 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.

Nearby Properties on N Commonwealth Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures