490 Hubbard Ave, Elgin, IL 60123 Property Records

Kane County property record for 490 Hubbard Ave, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,553 sqft · built 1957
Lot Size	0.273 acres (11,880 sqft)
Owner	2 Individual Names on Record
Last Sale	$135,000 (Jul 1998)
Tax Bill	$7,016 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Jul 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-10-480-016`

Property Details

APN / Parcel Number

Primary APN	`06-10-480-016`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,553 sqft Living Area
Gross Area	3,106 sqft
1st Floor Area	1,553 sqft
Basement Area	1,553 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Construction Type	Frame
Lot Area	11,880 sqft (0.273 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	490 HUBBARD AVE
City	ELGIN
State	IL
Zip	60123-3412
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GREENACRES NORTH 1/2 OF LOT 8 & ALL OF LOT 7 BLOCK 1
Legal Subdivision	GREENACRES
Legal Block	1
Legal Lot Number	8,7
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3004
Census Tract	851102

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	490 HUBBARD AVE, ELGIN, IL 60123-3412
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA
Jul 2, 2021	Deed of Trust, Mortgage · Line of Credit CREDIT UNION 1
Sep 20, 2018	Deed of Trust, Mortgage · Line of Credit CREDIT UNION ONE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 1998 · Amount on Record
Deed Sale	Jul 2, 1998 · Amount on Record
Prior Sale	Feb 25, 1998
Deed Document Number	199858267
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	490 HUBBARD AVE, ELGIN, IL 60123-3412
Transaction Type	Mortgage
Record Updated	Sep 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000046833
Date	Sep 20, 2022
Instrument	2022K046833

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	299 Months
Due	Aug 1, 2047

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	490 HUBBARD AVE, ELGIN, IL 60123-3412
Transaction Type	Mortgage
Record Updated	Jul 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000050949
Date	Jul 2, 2021
Instrument	2021K050949

Lender

Name	CREDIT UNION 1
Type	Credit Union
Address	LOMBARD, IL 60148

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 30, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	490 HUBBARD AVE, ELGIN, IL 60123-3412
Document Number	0000053727
Instrument Date	Sep 20, 2018
Transaction Type	Mortgage
Record Updated	Nov 14, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	490 HUBBARD AVE ELGIN IL 601233412, ELGIN, IL 60123-3412

Mortgage

Document Number	0000053727
Date	Nov 5, 2018
Instrument	53727

Lender

Name	CREDIT UNION ONE
Type	Credit Union
Address	RANTOUL, IL 61866

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 4, 2038

Interest

Rate Type	Adjustable Rate

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	$7,016.00 (+15.85%) Homeowner's exemption	$99,970 (+8.57%) Land $27,513 Building $72,457	$300,030 (+8.57%) Land $82,572 Building $217,458
2024		$92,079 (+21.39%) Land $25,341 Building $66,738	$276,348 (+21.44%) Land $76,053 Building $200,294
2022	$6,056.00 (+4.58%) Homeowner's exemption	$75,852 (+6.96%) Land $20,875 Building $54,977	$227,556 (+6.96%) Land $62,625 Building $164,931
2021	$5,791.00 Homeowner's exemption	$70,917 Land $19,517 Building $51,400	$212,751 Land $58,551 Building $154,200

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1982)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 1982 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 302 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

May also be available: T-Mobile.

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