487 Barrett St, Elgin, IL 60120 Property Records

Kane County property record for 487 Barrett St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,904 sqft · built 1904
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,831 (2025)
Deeds & Mortgages	May 2021 Mortgage Dec 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-13-457-005`

Property Details

APN / Parcel Number

Primary APN	`06-13-457-005`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,904 sqft Living Area
Gross Area	2,856 sqft
Basement Area	952 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1904
Effective Year Built	Effective 1904
Construction Type	Frame
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	487 BARRETT ST
City	ELGIN
State	IL
Zip	60120-6639
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BARRETTS 3RD ADDN LOT 10 BLOCK 1
Legal Subdivision	BARRETTS 3RD ADDN
Legal Block	1
Legal Lot Number	10
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2014
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	487 BARRETT ST, ELGIN, IL 60120-6639
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage M & T BANK
Dec 18, 2017	Deed of Trust, Mortgage · Conventional Mortgage M & T BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Mar 22, 2003
Transfer Doc	0000114314
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	487 BARRETT ST, ELGIN, IL 60120-6639
Transaction Type	Mortgage
Record Updated	May 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000035787
Date	May 6, 2021
Instrument	2021K035787

Lender

Name	M & T BANK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2041

Interest

Rate	3.5%

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	487 BARRETT ST, ELGIN, IL 60120-6639
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000065642
Date	Dec 18, 2017
Instrument	2017K065642

Lender

Name	M & T BANK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2033

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	$5,831.00 (+15.83%) Homeowner's exemption	$84,432 (+8.57%) Land $14,798 Building $69,634	$253,397 (+8.57%) Land $44,412 Building $208,986
2024		$77,767 (+21.39%) Land $13,630 Building $64,137	$233,394 (+21.44%) Land $40,906 Building $192,488
2022	$5,034.00 (+4.7%) Homeowner's exemption	$64,062 (+6.96%) Land $11,228 Building $52,834	$192,186 (+6.96%) Land $33,684 Building $158,502
2021	$4,808.00 Homeowner's exemption	$59,893 Land $10,497 Building $49,396	$179,679 Land $31,491 Building $148,188

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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