481 Division St, Elgin, IL 60120 Property Records

Kane County property record for 481 Division St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,400 sqft · built 1900
Lot Size	0.97 acres (4,209 sqft)
Owner	Individual Name on File
Last Sale	$202,000 (Sep 2023)
Tax Bill	$4,694 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-13-258-004`

Property Details

APN / Parcel Number

Primary APN	`06-13-258-004`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,400 sqft Living Area
Gross Area	2,100 sqft
Basement Area	700 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	4,209 sqft (0.97 acres)
Lot Dimensions	69 ft deep x 61 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	481 DIVISION ST
City	ELGIN
State	IL
Zip	60120-5763
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WALKERS ADD LOT 3 BLK 4 EX SLY 82 FT
Legal Subdivision	WALKERS ADD
Legal Block	4
Legal Lot Number	3
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3008
Census Tract	851301

Owner

Source: Kane County records · APN 06-13-258-004

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	2290 BREEZEWOOD TER, 9, HANOVER PARK, IL 60133-3836
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 21, 2023 · Amount on Record
Deed Sale	Sep 21, 2023 · Amount on Record
Prior Sale	Dec 04, 2012 · Amount on Record
Prior Transfer Date	Aug 24, 2006
Prior Transfer Doc	0000093243
Record Updated	Sep 20, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 21, 2023
Property Address	481 DIVISION ST, ELGIN, IL 60120-5763
Document Number	0000032839
Instrument Date	Sep 05, 2023
Instrument	2023K032839
Transaction Type	Transfer
Record Updated	Sep 29, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$202.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3032 SCENIC VALLEY WAY, HENDERSON, NV 89052-3092

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	481 DIVISION ST, ELGIN, IL 60120-5763

Mortgage

Document Number	0000032840
Date	Sep 21, 2023
Instrument	2023K032840

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2053

Tax Assessment & Valuation

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

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	$4,694.00 (+2.6%)
2024		$64,050 (+21.39%) Land $12,222 Building $51,828	$192,227 (+21.44%) Land $36,681 Building $155,546
2022	$4,575.00 (+3.95%)	$52,762 (+6.96%) Land $10,068 Building $42,694	$158,286 (+6.96%) Land $30,204 Building $128,082
2021	$4,401.00	$49,329 Land $9,413 Building $39,916	$147,987 Land $28,239 Building $119,748

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Not 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 · August 1, 2026 release · Last verified October 2026

Historic District	Within 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, availability as of December 31, 2025 · sampled at 520 locations within half a mile · 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

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, 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

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 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.