475 Miller Dr, Elgin, IL 60123 Property Records

Kane County property record for 475 Miller Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,430 sqft · built 1948
Lot Size	0.122 acres (5,332 sqft)
Owner	2 Individual Names on Record
Last Sale	$130,000 (Nov 2014)
Tax Bill	$5,714 (2025)
Deeds & Mortgages	Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-22-278-004`

Property Details

APN / Parcel Number

Primary APN	`06-22-278-004`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,430 sqft Living Area
Gross Area	2,199 sqft
Basement Area	769 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	5,332 sqft (0.122 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	475 MILLER DR
City	ELGIN
State	IL
Zip	60123-7232
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUNSET PARK LOT 31 BLOCK 4
Legal Subdivision	SUNSET PARK
Legal Block	4
Legal Lot Number	31
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3021
Census Tract	854900

Owner

Source: Kane County records, as of July 21, 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	475 MILLER DR, ELGIN, IL 60123-7232
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2014 · Amount on Record
Deed Sale	Nov 12, 2014 · Amount on Record
Deed Document Number	201457373
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	475 MILLER DR, ELGIN, IL 60123-7232
Document Number	0000060837
Instrument Date	Aug 13, 2020
Transaction Type	Mortgage
Record Updated	Oct 26, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	475 MILLER DR ELGIN IL 601237232, ELGIN, IL 60123-7232

Mortgage

Document Number	0000060837
Date	Oct 13, 2020
Instrument	60837

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Oct 12, 2045

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 2025

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	$5,714.00 (+15.81%) Homeowner's exemption
2024		$76,363 (+21.39%) Land $16,849 Building $59,514	$229,181 (+21.44%) Land $50,567 Building $178,613
2022	$4,934.00 (+4.73%) Homeowner's exemption	$62,905 (+6.96%) Land $13,880 Building $49,025	$188,715 (+6.96%) Land $41,640 Building $147,075
2021	$4,711.00 Homeowner's exemption	$58,812 Land $12,977 Building $45,835	$176,436 Land $38,931 Building $137,505

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 626 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