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490 Division St, Elgin, IL 60120 Property Records

Kane County property record for 490 Division St, Elgin, IL 60120 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 1.5 ba · 1,688 sqft · built 1900
Lot Size0.114 acres (4,967 sqft)
Owner2 Individual Names on File
Last Sale$222,500 (Jan 2024)
Tax Bill$5,632 (2025)
Deeds & MortgagesJan 2024 Sale & Mortgage
Sep 2023 Transfer
Flood ZoneZone X (minimal risk)
APN06-13-253-011

Property Details

APN / Parcel Number

Primary APN06-13-253-011

Interior

Bedrooms4 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories5 Stories
Building Area1,688 sqft Living Area
Gross Area2,896 sqft
Basement Area1,208 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 1900
Exterior MaterialBrick
Lot Area4,967 sqft (0.114 acres)
Garage TypeDetached
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address490 DIVISION ST
CityELGIN
StateIL
Zip60120-5764
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHILTON PLACE ADDN EAST 1/2 OF LOT 7
Legal SubdivisionHILTON PLACE ADDN
Legal Block3
Legal Lot Number7
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group3
Census Block3001
Census Tract851301

Owner

Source: Kane County records · APN 06-13-253-011

Assessment roll updated July 23, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address490 DIVISION ST, ELGIN, IL 60120-5764
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Jan 29, 2024Warranty Deed, Transfer · Conventional Mortgage
CROSSCOUNTRY MORTGAGE LLC
Sep 05, 2023Transfer on Death Deed, Transfer
ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 29, 2024 · Amount on Record
Deed SaleJan 29, 2024 · Amount on Record
Prior SaleSep 11, 2014 · Amount on Record
Deed Document Number20242978
Prior Transfer DateNov 13, 2020
Prior Transfer Doc0000030661
Record UpdatedSep 20, 2026

January 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateJan 29, 2024
Property Address490 DIVISION ST, ELGIN, IL 60120-5764
Document Number0000002978
Instrument DateJan 15, 2024
Instrument2024K002978
Transaction TypeTransfer
Record UpdatedFeb 05, 2024

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$222.50
Amount AccuracyRounded by County
Additional
  • Lis Pendens
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address490 DIVISION ST, ELGIN, IL 60120-5764

Mortgage

Document Number0000002979
DateJan 29, 2024
Instrument2024K002979
Lender
NameCROSSCOUNTRY MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2054
Interest
Rate TypeFixed Rate
Rate6.62%

September 2023: Transfer on Death Deed, Transfer

Document TypeTransfer on Death Deed
JurisdictionKANE IL
Recording DateSep 05, 2023
Property Address490 DIVISION ST, ELGIN, IL 60120-5764
Document Number0000030661
Instrument DateNov 13, 2020
Instrument2023K030661
Transaction TypeTransfer
Record UpdatedSep 12, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address490 DIVISION ST, ELGIN, IL 60120-5764

Transferred To (Grantee/Buyer)

NameVerified Name

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated July 23, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionElgin Township
MunicipalityElgin City
Unified School DistrictSchool 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.

YearTax BillAssessed ValueAssessed Market Value
2025$5,632.00 (+15.81%)$81,830 (+8.57%) Land $11,642 Building $70,188$245,588 (+8.57%) Land $34,940 Building $210,648
2024$75,371 (+21.39%) Land $10,723 Building $64,648$226,203 (+21.44%) Land $32,182 Building $194,022
2022$4,863.00 (+4.74%) Homeowner's exemption$62,088 (+6.96%) Land $8,833 Building $53,255$186,264 (+6.96%) Land $26,499 Building $159,765
2021$4,643.00 Homeowner's exemption$58,048 Land $8,258 Building $49,790$174,144 Land $24,774 Building $149,370

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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond 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 DistrictWithin 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.

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