478 Barrett St, Elgin, IL 60120 Property Records

Kane County property record for 478 Barrett St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,724 sqft · built 1900
Lot Size	0.14 acres (6,117 sqft)
Owner	Individual Name on Record
Last Sale	$295,000 (Aug 2025)
Tax Bill	$4,942 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-13-454-006`

Property Details

APN / Parcel Number

Primary APN	`06-13-454-006`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	1,724 sqft Living Area
Gross Area	2,686 sqft
Basement Area	962 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	6,117 sqft (0.14 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	478 BARRETT ST
City	ELGIN
State	IL
Zip	60120-5970
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BARRETTS 3RD ADDN LOT 5 BLOCK 3
Legal Subdivision	BARRETTS 3RD ADDN
Legal Block	3
Legal Lot Number	5
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2013
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	Individual Name on Record
Mailing Address	1201 SOUTH ST, ELGIN, IL 60123-7107
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage CHICAGO MORTGAGE SOLUTIONS CORP
Apr 28, 2017	Warranty Deed, Transfer · Conventional Mortgage SUCCESS MORTGAGE PARTNERS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 19, 2025 · Amount on Record
Deed Sale	Aug 19, 2025 · Amount on Record
Prior Sale	Apr 28, 2017 · Amount on Record
Deed Document Number	202531582
Prior Transfer Date	Apr 10, 1998
Prior Transfer Doc	0000033054
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	478 BARRETT ST, ELGIN, IL 60120-5970
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024853
Date	Mar 30, 2021
Instrument	2021K024853

Lender

Name	CHICAGO MORTGAGE SOLUTIONS CORP
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	4%
Index	Other

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 28, 2017
Property Address	478 BARRETT ST, ELGIN, IL 60120-5970
Document Number	0000021284
Instrument Date	Apr 20, 2017
Instrument	2017K021284
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$135.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	478 BARRETT ST, ELGIN, IL 60120-5970

Mortgage

Document Number	0000021285
Date	Apr 28, 2017
Instrument	2017K021285

Lender

Name	SUCCESS MORTGAGE PARTNERS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2047

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	$4,942.00 (+26.17%) Homeowner's exemption	$72,779 (+8.57%) Land $14,266 Building $58,513	$218,424 (+8.57%) Land $42,815 Building $175,609
2024		$67,034 (+30.97%) Land $13,140 Building $53,894	$201,182 (+31.02%) Land $39,436 Building $161,747
2022	$3,917.00 (+4.9%) Homeowner's exemption	$51,184 (+6.96%) Land $10,824 Building $40,360	$153,552 (+6.96%) Land $32,472 Building $121,080
2021	$3,734.00 Homeowner's exemption	$47,854 Land $10,120 Building $37,734	$143,562 Land $30,360 Building $113,202

Assessed value is set for property tax purposes, not a market price estimate; it is 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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