469 Addison St, Elgin, IL 60120 Property Records

Kane County property record for 469 Addison St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,297 sqft · built 1920
Lot Size	0.125 acres (5,440 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Feb 2018)
Tax Bill	$4,812 (2025)
Deeds & Mortgages	May 2020 Mortgage Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-13-209-004`

Property Details

APN / Parcel Number

Primary APN	`06-13-209-004`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,297 sqft Living Area
Gross Area	1,994 sqft
Basement Area	697 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Construction Type	Frame
Lot Area	5,440 sqft (0.125 acres)

Location & Zoning

Street Address	469 ADDISON ST
City	ELGIN
State	IL
Zip	60120-5389
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAKWOOD ADDN EAST 40 FT OF LOT 15 BLOCK 2
Legal Subdivision	OAKWOOD ADDN
Legal Block	2
Legal Lot Number	15
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1006
Census Tract	851301

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	469 ADDISON ST, ELGIN, IL 60120-5389
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage MIDWEST COMMUNITY BANK
Feb 22, 2018	Warranty Deed, Transfer · FHA Mortgage MIDWEST COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 22, 2018 · Amount on Record
Deed Sale	Feb 22, 2018 · Amount on Record
Prior Sale	Jul 11, 2008 · Amount on Record
Deed Document Number	20188451
Prior Transfer Date	Jan 6, 1997
Prior Transfer Doc	0000009673
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	469 ADDISON ST, ELGIN, IL 60120-5389
Transaction Type	Mortgage
Record Updated	Jul 27, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023240
Date	May 7, 2020
Instrument	2020K023240

Lender

Name	MIDWEST COMMUNITY BANK
Type	Bank
Address	FREEPORT, IL 61032

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Apr 1, 2035

Interest

Rate Type	Fixed Rate
Rate	3%

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Feb 22, 2018
Property Address	469 ADDISON ST, ELGIN, IL 60120-5389
Document Number	0000008451
Instrument Date	Feb 9, 2018
Instrument	2018K008451
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$150.00
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
Address	469 ADDISON ST, ELGIN, IL 60120-5389

Mortgage

Document Number	0000008452
Date	Feb 22, 2018
Instrument	2018K008452

Lender

Name	MIDWEST COMMUNITY BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

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	$4,812.00 (+15.78%) Homeowner's exemption	$71,085 (+8.57%) Land $10,984 Building $60,101	$213,340 (+8.57%) Land $32,965 Building $180,375
2024		$65,474 (+21.39%) Land $10,117 Building $55,357	$196,501 (+21.44%) Land $30,363 Building $166,137
2022	$4,156.00 (+4.87%) Homeowner's exemption	$53,935 (+6.96%) Land $8,334 Building $45,601	$161,805 (+6.96%) Land $25,002 Building $136,803
2021	$3,963.00 Homeowner's exemption	$50,426 Land $7,792 Building $42,634	$151,278 Land $23,376 Building $127,902

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 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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