465 Division St, Elgin, IL 60120 Property Records

Kane County property record for 465 Division St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,275 sqft · built 1900
Lot Size	0.45 acres (1,950 sqft)
Owner	2 Individual Names on Record
Last Sale	$125,000 (Jul 2018)
Tax Bill	$4,255 (2025)
Deeds & Mortgages	Jul 2018 Sale & Mortgage Dec 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-13-257-005`

Property Details

APN / Parcel Number

Primary APN	`06-13-257-005`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	5 Stories
Building Area	1,275 sqft Living Area
Gross Area	2,152 sqft
Basement Area	877 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Cape Cod
Exterior Material	Wood
Construction Type	Frame
Lot Area	1,950 sqft (0.45 acres)

Utilities, Heating & Cooling

Cooling System	Wall Unit
Water Source	Commercial

Location & Zoning

Street Address	465 DIVISION ST
City	ELGIN
State	IL
Zip	60120-5721
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WALKERS ADDN WEST 30 FT EAST 1/2 LOT 3 BLOCK 3
Legal Subdivision	WALKERS ADDN
Legal Block	3
Legal Lot Number	3
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3007
Census Tract	851301

Historic Designation

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

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.

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	465 DIVISION ST, ELGIN, IL 60120-5721
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2018	Warranty Deed, Transfer · Conventional Mortgage PLATINUM HOME MORTGAGE CORP
Dec 18, 2017	Deed of Trust, Mortgage NEIGHBORHOOD LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2018 · Amount on Record
Deed Sale	Jul 30, 2018 · Amount on Record
Prior Sale	Sep 21, 2004 · Amount on Record
Deed Document Number	201836733
Record Updated	Oct 29, 2026

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 30, 2018
Property Address	465 DIVISION ST, ELGIN, IL 60120-5721
Document Number	0000036733
Instrument Date	Jul 25, 2018
Instrument	2018K036733
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	CHICAGO TITLE INS CO

Transaction

Amount	Amount Recorded
Tax	$125.00
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
Relationship	Tenants by the Entirety
Address	465 DIVISION ST, ELGIN, IL 60120-5721

Mortgage

Document Number	0000036734
Date	Jul 30, 2018
Instrument	2018K036734

Lender

Name	PLATINUM HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	465 DIVISION ST, ELGIN, IL 60120-5721
Document Number	0000067041
Instrument Date	Dec 18, 2017
Transaction Type	Mortgage
Record Updated	Aug 29, 2018
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	465 DIVISION ST ELGIN IL 601205721, ELGIN, IL 60120-5721

Mortgage

Document Number	0000067041
Date	Dec 27, 2017
Instrument	67041

Lender

Name	NEIGHBORHOOD LOANS
Type	Funding / Finance Company
Address	LOMBARD, IL 60148

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 26, 2047

Interest

Rate Type	Fixed Rate
Rate	4.75%

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	$4,255.00 (+15.75%) Homeowner's exemption	$63,784 (+8.57%) Land $7,596 Building $56,188	$191,429 (+8.57%) Land $22,797 Building $168,631
2024		$58,749 (+21.39%) Land $6,996 Building $51,753	$176,318 (+21.44%) Land $20,996 Building $155,321
2022	$3,676.00 (+5%) Homeowner's exemption	$48,395 (+6.96%) Land $5,763 Building $42,632	$145,185 (+6.96%) Land $17,289 Building $127,896
2021	$3,501.00 Homeowner's exemption	$45,246 Land $5,388 Building $39,858	$135,738 Land $16,164 Building $119,574

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

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.

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Fox Valley Internet Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile, Verizon.

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