49 N Commonwealth Ave, Elgin, IL 60123 Property Records

Kane County property record for 49 N Commonwealth Ave, Elgin, IL 60123 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,394 sqft · built 1903
Lot Size	0.191 acres (8,316 sqft)
Owner	Individual Name on File
Last Sale	$240,000 (Dec 2022)
Tax Bill	$6,444 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-14-302-002`

Property Details

APN / Parcel Number

Primary APN	`06-14-302-002`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,394 sqft Living Area
Gross Area	2,116 sqft
Basement Area	722 sqft

Exterior

Year Built	Built 1903
Effective Year Built	Effective 1903
Construction Type	Frame
Lot Area	8,316 sqft (0.191 acres)
Lot Dimensions	132 ft deep x 63 ft wide
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	49 N COMMONWEALTH AVE
City	ELGIN
State	IL
Zip	60123-5227
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CRIGHTON PARK ADDN LOT 4 BLOCK 6
Legal Subdivision	CRIGHTON PARK ADDN
Legal Block	6
Legal Lot Number	4
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4022
Census Tract	851101

Owner

Source: Kane County records · APN 06-14-302-002

Assessment roll updated August 25, 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	49 N COMMONWEALTH AVE, ELGIN, IL 60123-5227
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 05, 2022 · Amount on Record
Deed Sale	Dec 05, 2022 · Amount on Record
Prior Sale	Jan 08, 1999 · Amount on Record
Deed Document Number	202257380
Record Updated	Sep 20, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 05, 2022
Property Address	49 N COMMONWEALTH AVE, ELGIN, IL 60123-5227
Document Number	0000057380
Instrument Date	Nov 14, 2022
Instrument	2022K057380
Transaction Type	Transfer
Record Updated	Dec 13, 2022
Title Company	BAIRD AND WARNER TITLE SERVICES INC, BAIRD & WARNER TTL SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	49 N COMMONWEAITH AVENUE, ELGIN, IL 60123-5227

Mortgage

Document Number	0000057381
Date	Dec 05, 2022
Instrument	2022K057381

Lender

Name	AMRES CORPORATION
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2052

Interest

Rate Type	Fixed Rate
Rate	7.25%

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated August 25, 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	$6,444.00 (+15.84%) Homeowner's exemption
2024		$85,175 (+21.39%) Land $16,613 Building $68,562	$255,627 (+21.44%) Land $49,859 Building $205,768
2022	$5,563.00 (+4.63%) Homeowner's exemption	$70,165 (+6.96%) Land $13,686 Building $56,479	$210,495 (+6.96%) Land $41,058 Building $169,437
2021	$5,317.00 Homeowner's exemption	$65,599 Land $12,795 Building $52,804	$196,797 Land $38,385 Building $158,412

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
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.