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472 Division St, Elgin, IL 60120 Property Records

Kane County property record for 472 Division St, Elgin, IL 60120

Property Summary

Property TypeSingle Family Home
Details3 bd · 3.5 ba · 1,760 sqft · built 1880
Lot Size0.25 acres (10,890 sqft)
OwnerIndividual Name on File
Last Sale$236,500 (Sep 2025)
Tax Bill$6,308 (2025)
Deeds & MortgagesSep 2025 Sale & Mortgage
Oct 2017 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN06-13-252-013

Property Details

APN / Parcel Number

Primary APN06-13-252-013

Interior

Bedrooms3 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories2 Stories
Building Area1,760 sqft Living Area
Gross Area3,026 sqft
Basement Area1,266 sqft

Exterior

Year BuiltBuilt 1880
Effective Year BuiltEffective 1880
Construction TypeFrame
Lot Area10,890 sqft (0.25 acres)
Lot Dimensions165 ft deep x 66 ft wide

Utilities, Heating & Cooling

Cooling SystemHVAC
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address472 DIVISION ST
CityELGIN
StateIL
Zip60120-5722
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionEDWARD H HOTCHKISS ADDN EAST 4 RODS SOUTH 165 FT OF LOT A
Legal SubdivisionEDWARD H HOTCHKISS ADDN
Legal Block3
Legal Lot NumberA
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group3
Census Block3002
Census Tract851301

Owner

Source: Kane County records · APN 06-13-252-013

Assessment roll updated December 26, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address39 SURREY DR, 125, ELGIN, IL 60123-5187
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle Woman

Deeds, Mortgages & Sale History

DateDocument
Sep 30, 2025Warranty Deed, Transfer · Conventional Mortgage
CROSSCOUNTRY MORTGAGE LLC
Oct 13, 2017Warranty Deed, Transfer · FHA Mortgage
FIRST CENTENNIAL MORTGAGE CORP
Oct 13, 2017Quit Claim Deed, Transfer
FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleSep 30, 2025 · Amount on Record
Deed SaleSep 30, 2025 · Amount on Record
Prior SaleOct 13, 2017 · Amount on Record
Deed Document Number202538035
Prior Transfer DateMar 28, 2010
Prior Transfer Doc0000054025
Record UpdatedSep 20, 2026

September 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateSep 30, 2025
Property Address472 DIVISION ST, ELGIN, IL 60120-5722
Document Number0000038035
Instrument DateSep 25, 2025
Instrument2025K038035
Transaction TypeTransfer
Record UpdatedOct 13, 2025
Title CompanyUNKNOWN, CT

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$236.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address472 DIVISION ST, ELGIN, IL 60120-5722

Transferred To (Grantee/Buyer)

NameVerified Name
Address39 SURREY DR # 1-25, 1-25, ELGIN, IL 60123-5187

Mortgage

Document Number0000038036
DateSep 30, 2025
Instrument2025K038036
Lender
NameCROSSCOUNTRY MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2055
Interest
Rate TypeFixed Rate
Rate6.87%

October 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateOct 13, 2017
Property Address472 DIVISION ST, ELGIN, IL 60120-5722
Document Number0000054026
Instrument DateOct 02, 2017
Instrument2017K054026
Transaction TypeTransfer
Record UpdatedJul 27, 2021
Title CompanyFIDELITY NATIONAL TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$147.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
Address472 DIVISION ST, ELGIN, IL 60120-5722

Mortgage

Document Number0000054027
DateOct 13, 2017
Instrument2017K054027
Lender
NameFIRST CENTENNIAL MORTGAGE CORP
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2047
Interest
Rate TypeFixed Rate
Rate4.75%

October 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionKANE IL
Recording DateOct 13, 2017
Property Address472 DIVISION ST, ELGIN, IL 60120-5722
Document Number0000054025
Instrument DateMar 28, 2010
Instrument54025
Transaction TypeTransfer
Record UpdatedNov 21, 2017
Title CompanyFIDELITY NATIONAL TITLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address29W320 RENOUF DR WARRENVILLE IL 605552114, WARRENVILLE, IL 60555-2114

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated December 26, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionElgin Township
MunicipalityElgin City
Unified School DistrictSchool District U-46 (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$6,308.00 (+4.37%) Homeowner's exemption
2024$6,044.00 (+10.98%) Homeowner's exemption$83,533 (+21.39%) Land $17,044 Building $66,489$250,699 (+21.44%) Land $51,152 Building $199,547
2022$5,446.00 (+4.65%) Homeowner's exemption$68,812 (+6.96%) Land $14,040 Building $54,772$206,436 (+6.96%) Land $42,120 Building $164,316
2021$5,204.00 Homeowner's exemption$64,334 Land $13,126 Building $51,208$193,002 Land $39,378 Building $153,624

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 8, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskNot rated
no burnable land within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Historic Designation

Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 2026

Historic DistrictWithin 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Radiate Holdings
Cable		1,500 / 50
Verizon
Fixed Wireless		300 / 20
AT&T
DSL · Fiber in parts of the area		100 / 20

Based on FCC filings for 520 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemELGIN
serves 114,797 people
Water SourceSurface water
Last State InspectionAug 2025
Lead19 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting8
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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