Kane County property record for 471 Division St, Elgin, IL 60120
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,624 sqft · built 1905 |
| Lot Size | 0.126 acres (5,491 sqft) |
| Owner | 2 Company Names on Record |
| Deeds & Mortgages | Apr 2026 Sale Mar 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-13-258-001 |
| Primary APN | 06-13-258-001 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,624 sqft Living Area |
| Gross Area | 2,456 sqft |
| Basement Area | 832 sqft |
| Year Built | Built 1905 |
|---|---|
| Effective Year Built | Effective 1905 |
| Construction Type | Frame |
| Lot Area | 5,491 sqft (0.126 acres) |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Street Address | 471 DIVISION ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-5763 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WALKERS ADDN PART LOT 1 LYING NORTH OF A LINE 90.5 FT SOUTH OF NORTH WEST CORNER THENCE RUNNING EAST TO A POINT 90 FT SOUTH OF NORTH EAST CORNER LOT 1 BLOCK 4 |
| Legal Subdivision | WALKERS ADDN |
| Legal Block | 3 |
| Legal Lot Number | 1 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 851301 |
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.
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 Company Names on Record |
|---|---|
| Mailing Address | 471 DIVISION ST, ELGIN, IL 60120-5763 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Apr 23, 2026 | Deed, Transfer NONE LISTED ON DOCUMENT |
| Mar 15, 2017 | Deed of Trust, Mortgage · VA Mortgage WELLS FARGO BANK NA |
| Jul 24, 2019 | Deed of Trust, Mortgage · Commercial Mortgage ASSOCIATED BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Dec 29, 2004 |
| Transfer Doc | 0000166831 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Apr 23, 2026 |
| Property Address | 471 DIVISION ST, ELGIN, IL 60120-5763 |
| Document Number | 0000016445 |
| Instrument Date | Apr 16, 2026 |
| Instrument | 202616445 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Trust |
| Address | 471 DIVISION ST, ELGIN, IL 60120-5763 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 471 DIVISION ST, ELGIN, IL 60120-5763 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | NETCO |
| Name | Verified Name |
|---|
| Document Number | 0000013449 |
|---|---|
| Date | Mar 15, 2017 |
| Instrument | 2017K013449 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 1, 2032 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 471 DIVISION ST, ELGIN, IL 60120-5763 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000032519 |
|---|---|
| Date | Jul 24, 2019 |
| Instrument | 2019K032519 |
| Name | ASSOCIATED BANK NA |
|---|---|
| Type | Bank |
| Address | ELGIN, IL 60120 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jun 28, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Min Rate At Change | 2.5% |
| Max Rate | 18% |
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 | Homeowner's exemption Veteran's exemption | $82,593 (+8.57%) Land $15,154 Building $67,439 | $247,878 (+8.57%) Land $45,480 Building $202,398 |
| 2024 | $76,074 (+21.39%) Land $13,958 Building $62,116 | $228,313 (+21.44%) Land $41,891 Building $186,423 | |
| 2022 | Homeowner's exemption | $62,667 Land $11,498 Building $51,169 | $188,001 Land $34,494 Building $153,507 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 520 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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