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490 Park St, Elgin, IL 60120 Property Records

Kane County property record for 490 Park St, Elgin, IL 60120

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 2,606 sqft · built 1904
Lot Size0.236 acres (10,264 sqft)
Owner2 Individual Names on File
Last Sale$237,500 (Sep 2007)
Tax Bill$8,624 (2025)
Deeds & MortgagesApr 2017 Mortgage
Flood ZoneZone X (minimal risk)
APN06-13-209-019

Property Details

APN / Parcel Number

Primary APN06-13-209-019

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories2 Stories
Building Area2,606 sqft Living Area
Gross Area3,909 sqft
Basement Area1,303 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1904
Effective Year BuiltEffective 1904
Architectural StyleCustom Design
Exterior MaterialStucco
Construction TypeFrame
Lot Area10,264 sqft (0.236 acres)
Garage TypeDetached
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemCentral
Water SourceCommercial

Location & Zoning

Street Address490 PARK ST
CityELGIN
StateIL
Zip60120-4400
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionJ H BECKERS ADDN LOT 15 BLOCK 1
Legal SubdivisionJ H BECKERS ADDN
Legal Block1
Legal Lot Number15
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group1
Census Block1006
Census Tract851301

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 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.

Owner

490 Park St is owned and occupied by two individuals who acquired it in March 2017.

Source: Kane County records, as of July 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on File
Mailing Address490 PARK ST, ELGIN, IL 60120-4400
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 28, 2007 · Amount on File
Deed SaleSep 28, 2007 · Amount on File
Prior SaleJul 1, 2005 · Amount on File
Deed Document Number200799774
Last Transfer DateMar 24, 2017
Transfer Doc0000019742
Record UpdatedOct 29, 2026

April 2017: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionKANE IL
Recording DateApr 20, 2017
Property Address490 PARK ST, ELGIN, IL 60120-4400
Document Number0000019742
Instrument DateMar 24, 2017
Instrument2017K019742
Transaction TypeTransfer
Record UpdatedJul 27, 2021
Title CompanyFIRST AMERICAN TITLE

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address490 PARK ST, ELGIN, IL 60120-4400

Mortgage

Document Number0000019743
DateApr 20, 2017
Instrument2017K019743
Lender
NameFIRST CENTENNIAL MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term180 Months
DueApr 1, 2032
Interest
Rate TypeFixed Rate
Rate3.62%

Tax Assessment & Valuation

The 2025 property tax bill for 490 Park St was $8,624 with a homeowner's exemption.

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionElgin Township
MunicipalityElgin City
Unified School DistrictSchool District U-46 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$8,624.00 Homeowner's exemption$121,047 (+8.57%) Land $17,203 Building $103,844$363,286 (+8.57%) Land $51,630 Building $311,657
2024$111,492 Land $15,845 Building $95,647$334,610 Land $47,554 Building $287,056
2022$7,443.00 (+4.46%) Homeowner's exemption$91,844 (+6.96%) Land $13,053 Building $78,791$275,532 (+6.96%) Land $39,159 Building $236,373
2021$7,125.00 Homeowner's exemption$85,868 Land $12,204 Building $73,664$257,604 Land $36,612 Building $220,992

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.

Flood

FEMA maps place 490 Park St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

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

Wildfire

The area around 490 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 RiskNot 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 SystemELGIN
serves 114,797 people · EPA ID IL0894380
Water SourceSurface water
Last State InspectionAug 2025
Lead19 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting8
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 625 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Astound Broadband
Cable		1,500 / 50
AT&T
DSL · Fiber, Fixed Wireless in parts of the area		100 / 20

May also be available: Fox Valley Internet, T-Mobile.

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