Kane County property record for 489 Park St, Elgin, IL 60120
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 917 sqft · built 1900 |
| Lot Size | 0.82 acres (3,552 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,952 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit Aug 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-13-251-010 |
| Primary APN | 06-13-251-010 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 917 sqft Living Area |
| Gross Area | 1,834 sqft |
| 1st Floor Area | 917 sqft |
| Basement Area | 917 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Construction Type | Frame |
| Lot Area | 3,552 sqft (0.82 acres) |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Street Address | 489 PARK ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-4488 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BURRITTS ADDN LOT 1 |
| Legal Subdivision | BURRITTS ADDN |
| Legal Block | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 851301 |
Source: NPS National Register of Historic Places, as of August 1, 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.
489 Park St is owned and occupied by an individual.
Source: Kane County records, as of July 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 489 PARK ST, ELGIN, IL 60120-4488 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 19, 2026 | Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK |
| Aug 22, 2019 | Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Aug 19, 2026 |
| Property Address | 489 PARK ST, ELGIN, IL 60120-4488 |
| Document Number | 0000035808 |
| Instrument Date | Aug 11, 2026 |
| Instrument | 202635808 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER |
| Name | Verified Name |
|---|---|
| Address | 489 PARK ST, ELGIN, IL 60120-4488 |
| Document Number | 0000035808, |
|---|---|
| Date | Aug 19, 2026 |
| Instrument | 202635808 |
| Name | BMO HARRIS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 17, 2056 |
| Rate | 7.09% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 489 PARK ST, ELGIN, IL 60120-4488 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000038321 |
|---|---|
| Date | Aug 22, 2019 |
| Instrument | 2019K038321 |
| Name | BMO HARRIS BANK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60690 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 19, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.84% |
| Change Frequency | Monthly |
The 2025 property tax bill for 489 Park St was $1,952 with exemptions applied.
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,952.00 Homeowner's exemption Senior Citizen's exemption | $52,385 (+8.57%) Land $9,992 Building $42,393 | $157,218 (+8.57%) Land $29,988 Building $127,230 |
| 2024 | $48,250 Land $9,203 Building $39,047 | $144,808 Land $27,620 Building $117,188 | |
| 2022 | $2,492.00 (+6.77%) Homeowner's exemption | $39,747 (+6.96%) Land $7,581 Building $32,166 | $119,241 (+6.96%) Land $22,743 Building $96,498 |
| 2021 | $2,334.00 Homeowner's exemption | $37,161 Land $7,088 Building $30,073 | $111,483 Land $21,264 Building $90,219 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 489 Park St in Zone X, an area of minimal flood risk.
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.
The area around 489 Park St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 520 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 |
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