465 Park St, Elgin, IL 60120 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,590 sqft · built 1920
Lot Size	0.139 acres (6,048 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (Dec 2019)
Tax Bill	$5,481 (2025)
Deeds & Mortgages	Jun 2017 Mortgage Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-13-251-002`

Property Details

APN / Parcel Number

Primary APN	`06-13-251-002`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,590 sqft Living Area
Gross Area	2,385 sqft
Basement Area	795 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Construction Type	Frame
Lot Area	6,048 sqft (0.139 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	465 PARK ST
City	ELGIN
State	IL
Zip	60120-4488
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	B W RAYMONDS ADDN WEST 63 FT EAST 191 FT NORTH 96 FT LOT 15
Legal Subdivision	B W RAYMONDS ADDN
Legal Block	1
Legal Lot Number	15
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1008
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

465 Park St is owned and occupied by two individuals who bought it in December 2019.

Source: Kane County records, as of July 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	465 PARK ST, ELGIN, IL 60120-4488
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2017	Deed of Trust, Mortgage · Conventional Mortgage WINTRUST MORTGAGE
Dec 24, 2019	Warranty Deed, Transfer BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 24, 2019 · Amount on File
Deed Sale	Dec 24, 2019 · Amount on File
Prior Sale	Jan 6, 2009 · Amount on File
Deed Document Number	201962441
Prior Transfer Date	Sep 20, 2000
Prior Transfer Doc	0000001324
Record Updated	Oct 29, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	465 PARK ST, ELGIN, IL 60120-4488
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030342
Date	Jun 14, 2017
Instrument	2017K030342

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 24, 2019
Property Address	465 PARK ST, ELGIN, IL 60120-4488
Document Number	0000062441
Instrument Date	Dec 11, 2019
Instrument	62441
Transaction Type	Transfer
Record Updated	Jan 14, 2020
Title Company	CITYWIDE TITLE CORPORATION, CITYWIDE TITLE CORP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1219 E PR PALATINE IL 60074, PALATINE, IL 60074

Mortgage

Document Number	62443
Date	Dec 24, 2019
Instrument	62443

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 23, 2049

Interest

Rate	2.37%

Tax Assessment & Valuation

The 2025 property tax bill for 465 Park St was $5,481 with a homeowner's exemption.

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	$5,481.00 Homeowner's exemption	$79,851 (+8.57%) Land $14,860 Building $64,991	$239,649 (+8.57%) Land $44,598 Building $195,051
2024		$73,548 Land $13,687 Building $59,861	$220,732 Land $41,077 Building $179,655
2022	$4,733.00 (+4.76%) Homeowner's exemption	$60,587 (+6.96%) Land $11,275 Building $49,312	$181,761 (+6.96%) Land $33,825 Building $147,936
2021	$4,518.00 Homeowner's exemption	$56,644 Land $10,541 Building $46,103	$169,932 Land $31,623 Building $138,309

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

FEMA maps place 465 Park St in Zone X, an area of minimal flood risk.

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

The area around 465 Park St has no burnable land within ember reach, so its wildfire risk is not rated.

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 625 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
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Fox Valley Internet, T-Mobile.

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