Kane County property record for 474 Miller Dr, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,187 sqft · built 1948 |
| Lot Size | 0.176 acres (7,666 sqft) |
| Owner | Individual Name on File |
| Last Sale | $185,000 (Sep 2021) |
| Tax Bill | $5,283 (2025) |
| Deeds & Mortgages | Sep 2021 Sale & Mortgage Nov 2016 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-22-276-027 |
| Primary APN | 06-22-276-027 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 5 Stories |
| Building Area | 1,187 sqft Living Area |
| Gross Area | 1,978 sqft |
| Basement Area | 791 sqft |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Architectural Style | Cape Cod |
| Construction Type | Frame |
| Lot Area | 7,666 sqft (0.176 acres) |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Cooling System | None |
|---|---|
| Water Source | Commercial |
| Street Address | 474 MILLER DR |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-7231 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUNSET PARK LOT 27 BLOCK 1 |
| Legal Subdivision | SUNSET PARK |
| Legal Block | 1 |
| Legal Lot Number | 27 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 854900 |
Source: Kane County records · APN 06-22-276-027
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 Record | Individual Name on File |
|---|---|
| Mailing Address | 474 MILLER DR, ELGIN, IL 60123-7231 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 17, 2021 | Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Nov 23, 2016 | Loan Modification, Mortgage PACIFIC GLOBAL BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 17, 2021 · Amount on Record |
| Deed Sale | Sep 17, 2021 · Amount on Record |
| Prior Sale | Oct 26, 2007 · Amount on Record |
| Deed Document Number | 202170763 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Sep 17, 2021 |
| Property Address | 474 MILLER DR, ELGIN, IL 60123-7231 |
| Document Number | 0000070763 |
| Map Reference | MB 29 PG 47 |
| Instrument Date | Sep 14, 2021 |
| Instrument | 2021K070763 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $185.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 474 MILLER DR, ELGIN, IL 60123-7231 |
| Investor | Possibly a Property Investor |
| Document Number | 0000070764 |
|---|---|
| Date | Sep 17, 2021 |
| Instrument | 2021K070764 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.99% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 474 MILLER DR, ELGIN, IL 60123-7231 |
| Document Number | 0000002519 |
| Instrument Date | Nov 23, 2016 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 121 ENGLISH OAK LN STREAMWOOD IL 601073395, STREAMWOOD, IL 60107-3395 |
| Document Number | 0000002519 |
|---|---|
| Date | Jan 13, 2017 |
| Instrument | 2519 |
| Name | PACIFIC GLOBAL BK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60616 |
| Term | 300 Months |
|---|---|
| Due | Jan 12, 2042 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.25% |
Source: Kane County records · Assessment roll updated December 26, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,283.00 (+15.8%) Homeowner's exemption | ||
| 2024 | $71,160 (+21.39%) Land $16,849 Building $54,311 | $213,565 (+21.44%) Land $50,567 Building $162,998 | |
| 2022 | $4,562.00 (-6.69%) Homeowner's exemption | $58,620 (+6.96%) Land $13,880 Building $44,740 | $175,860 (+6.96%) Land $41,640 Building $134,220 |
| 2021 | $4,889.00 | $54,806 Land $12,977 Building $41,829 | $164,418 Land $38,931 Building $125,487 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max 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 626 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ELGIN serves 114,797 people |
|---|---|
| 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 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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