Kane County property record for 468 S Commonwealth Ave, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 864 sqft · built 1954 |
| Lot Size | 0.236 acres (10,260 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $174,000 (Jun 2020) |
| Tax Bill | $4,910 (2025) |
| Deeds & Mortgages | May 2020 Mortgage Jun 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-23-103-021 |
| Primary APN | 06-23-103-021 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 864 sqft Living Area |
| Gross Area | 1,728 sqft |
| 1st Floor Area | 864 sqft |
| Basement Area | 864 sqft |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Construction Type | Frame |
| Lot Area | 10,260 sqft (0.236 acres) |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|
| Street Address | 468 S COMMONWEALTH AVE |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-7324 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COUNTY CLERKS SUB LOT U BLOCK 13 |
| Legal Subdivision | COUNTY CLERKS SUB |
| Legal Block | 13 |
| Legal Lot Number | U |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 854900 |
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 | 468 S COMMONWEALTH AVE, ELGIN, IL 60123-7324 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ILLINOIS HSNG DEV AUTHORITY |
| Jun 2, 2020 | Warranty Deed, Transfer · FHA Mortgage VAN DYK MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 2, 2020 · Amount on Record |
| Deed Sale | Jun 2, 2020 · Amount on Record |
| Prior Sale | Oct 14, 2005 · Amount on Record |
| Deed Document Number | 202028175 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 468 S COMMONWEALTH AVE, ELGIN, IL 60123-7324 |
| Document Number | 0000028177 |
| Instrument Date | May 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 14, 2020 |
| Title Company | STARCK TITLE SERVICES, STARCK TITLE SVCS |
| Name | Verified Name |
|---|---|
| Address | 468 S COMMONWEALTH AVE ELGIN IL 601237324, ELGIN, IL 60123-7324 |
| Document Number | 0000028177 |
|---|---|
| Date | Jun 2, 2020 |
| Instrument | 28177 |
| Name | ILLINOIS HSNG DEV AUTHORITY |
|---|---|
| Address | CHICAGO, IL 60601 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jun 2, 2020 |
| Property Address | 468 S COMMONWEALTH AVE, ELGIN, IL 60123-7324 |
| Document Number | 0000028175 |
| Instrument Date | May 19, 2020 |
| Instrument | 2020K028175 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2022 |
| Title Company | STARCK TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $174.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13241 STRATFORD LN, 13241, HUNTLEY, IL 60142-7712 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 468 S COMMONWEALTH AVE, ELGIN, IL 60123-7324 |
| Document Number | 0000028176 |
|---|---|
| Date | Jun 2, 2020 |
| Instrument | 2020K028176 |
| Name | VAN DYK MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.25% |
| Document Number | 0000028177 |
|---|---|
| Date | Jun 2, 2020 |
| Instrument | 2020K028177 |
| Name | ILLINOIS HOUSING DEVELOPMENT AUTHORITY |
|---|---|
| Type | Government Agency |
| Address | CHICAGO, IL 60601 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $4,910.00 (+15.8%) Homeowner's exemption | $72,367 (+8.57%) Land $18,999 Building $53,368 | $217,188 (+8.57%) Land $57,020 Building $160,168 |
| 2024 | $66,654 (+21.39%) Land $17,499 Building $49,155 | $200,042 (+21.44%) Land $52,518 Building $147,524 | |
| 2022 | $4,240.00 (+4.85%) Homeowner's exemption | $54,907 (+6.96%) Land $14,415 Building $40,492 | $164,721 (+6.96%) Land $43,245 Building $121,476 |
| 2021 | $4,044.00 Homeowner's exemption | $51,334 Land $13,477 Building $37,857 | $154,002 Land $40,431 Building $113,571 |
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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