471 Stella St, Elgin, IL 60120 Property Records

Kane County property record for 471 Stella St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,084 sqft · built 1990
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Last Sale	$127,500 (May 2000)
Tax Bill	$5,596 (2025)
Deeds & Mortgages	May 2022 Line of Credit Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-13-453-010`

Property Details

APN / Parcel Number

Primary APN	`06-13-453-010`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,084 sqft Living Area
Gross Area	2,168 sqft
1st Floor Area	1,084 sqft
Basement Area	1,084 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Construction Type	Frame
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	471 STELLA ST
City	ELGIN
State	IL
Zip	60120-6631
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOME ADDN LOT 5 BLOCK 2
Legal Subdivision	HOME ADDN
Legal Block	2
Legal Lot Number	5
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2012
Census Tract	851301

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	471 STELLA ST, ELGIN, IL 60120-6631
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2022	Deed of Trust, Mortgage · Line of Credit FIRST AMERICAN BANK
Nov 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST AMERICAN BANK
Dec 13, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage FIRST AMERICAN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2000 · Amount on Record
Deed Sale	May 4, 2000 · Amount on Record
Deed Document Number	200034009
Last Transfer Date	Dec 13, 2021
Transfer Doc	0000092158
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	471 STELLA ST, ELGIN, IL 60120-6631
Transaction Type	Mortgage
Record Updated	May 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024583
Date	May 6, 2022
Instrument	2022K024583

Lender

Name	FIRST AMERICAN BANK
Type	Bank
Address	HAMPSHIRE, IL 60140

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	471 STELLA ST, ELGIN, IL 60120-6631
Transaction Type	Mortgage
Record Updated	Dec 15, 2021
Title Company	FIRST AMERICAN SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000089369
Date	Nov 30, 2021
Instrument	2021K089369

Lender

Name	FIRST AMERICAN BANK
Type	Bank
Address	HAMPSHIRE, IL 60140

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Dec 1, 2031

Interest

Rate Type	Fixed Rate
Rate	2.5%

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Dec 13, 2021
Property Address	471 STELLA ST, ELGIN, IL 60120-6631
Document Number	0000092158
Instrument Date	Dec 13, 2021
Instrument	2021K092158
Transaction Type	Transfer
Record Updated	Dec 22, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	421 STELLA ST, ELGIN, IL 60120-6631

Mortgage

Document Number	0000092159
Date	Dec 13, 2021
Instrument	2021K092159

Lender

Name	FIRST AMERICAN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 1, 2031

Interest

Rate Type	Fixed Rate
Rate	2.5%

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	$5,596.00 (+15.81%) Homeowner's exemption	$81,363 (+8.57%) Land $14,764 Building $66,599	$244,187 (+8.57%) Land $44,310 Building $199,877
2024		$74,941 (+21.39%) Land $13,599 Building $61,342	$224,913 (+21.44%) Land $40,813 Building $184,100
2022	$4,832.00 (+4.72%) Homeowner's exemption	$61,735 (+6.96%) Land $11,203 Building $50,532	$185,205 (+6.96%) Land $33,609 Building $151,596
2021	$4,614.00 Homeowner's exemption	$57,718 Land $10,474 Building $47,244	$173,154 Land $31,422 Building $141,732

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 515 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
Verizon Fixed Wireless	300 / 20

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

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