476 Stella St, Elgin, IL 60120 Property Records

Kane County property record for 476 Stella St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,169 sqft · built 1920
Lot Size	0.138 acres (6,006 sqft)
Owner	2 Individual Names on Record
Last Sale	$240,000 (Sep 2021)
Tax Bill	$6,546 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-13-451-015`

Property Details

APN / Parcel Number

Primary APN	`06-13-451-015`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	5 Stories
Building Area	2,169 sqft Living Area
Gross Area	3,583 sqft
Basement Area	1,414 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Construction Type	Frame
Lot Area	6,006 sqft (0.138 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	476 STELLA ST
City	ELGIN
State	IL
Zip	60120-6632
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOME ADDN EXCEPT NORTH 28 FT ON EAST LINE & NORTH 26 FT ON WEST LINE LOT 15 BLOCK 1
Legal Subdivision	HOME ADDN
Legal Block	1
Legal Lot Number	15
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2007
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	476 STELLA ST, ELGIN, IL 60120-6632
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage M & T BANK
Sep 9, 2021	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2021 · Amount on Record
Deed Sale	Sep 9, 2021 · Amount on Record
Prior Sale	Feb 20, 2015 · Amount on Record
Deed Document Number	202168820
Last Transfer Date	Dec 20, 2021
Transfer Doc	0000000235
Record Updated	Sep 20, 2026

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Jan 3, 2022
Property Address	476 STELLA ST, ELGIN, IL 60120-6632
Document Number	0000000235
Instrument Date	Dec 20, 2021
Instrument	2022K000235
Transaction Type	Transfer
Record Updated	Aug 5, 2022

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	Tenants by the Entirety
Address	476 STELLA ST, ELGIN, IL 60120-6632

Mortgage

Document Number	0000000010
Date	Jan 3, 2022
Instrument	2022K000010

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	156 Months
Due	Jan 1, 2035

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 9, 2021
Property Address	476 STELLA ST, ELGIN, IL 60120-6632
Document Number	0000068820
Instrument Date	Aug 31, 2021
Instrument	2021K068820
Transaction Type	Transfer
Record Updated	Aug 5, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	476 STELLA ST, ELGIN, IL 60120-6632

Mortgage

Document Number	0000068821
Date	Sep 9, 2021
Instrument	2021K068821

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

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	$6,546.00 (+25.47%)	$85,816 (+8.57%) Land $14,185 Building $71,631	$257,551 (+8.57%) Land $42,572 Building $214,979
2024		$79,042 (+31.36%) Land $13,065 Building $65,977	$237,221 (+31.42%) Land $39,211 Building $198,010
2022	$5,217.00 (+3.97%)	$60,170 (+6.96%) Land $10,762 Building $49,408	$180,510 (+6.96%) Land $32,286 Building $148,224
2021	$5,018.00	$56,255 Land $10,062 Building $46,193	$168,765 Land $30,186 Building $138,579

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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