493 Addison St, Elgin, IL 60120 Property Records

Kane County property record for 493 Addison St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,061 sqft · built 1890
Lot Size	0.68 acres (2,970 sqft)
Owner	Individual Name on File
Last Sale	$126,500 (May 2020)
Tax Bill	$3,913 (2025)
Deeds & Mortgages	May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-13-209-020`

Property Details

APN / Parcel Number

Primary APN	`06-13-209-020`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	5 Stories
Building Area	1,061 sqft Living Area
Gross Area	1,919 sqft
Basement Area	858 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Construction Type	Frame
Lot Area	2,970 sqft (0.68 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	493 ADDISON ST
City	ELGIN
State	IL
Zip	60120-4434
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	J H BECKERS ADDN WEST 45 FT LOT 5 BLOCK 1
Legal Subdivision	J H BECKERS ADDN
Legal Block	1
Legal Lot Number	5
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1006
Census Tract	851301

Owner

493 Addison St is owned and occupied by an individual who bought it in May 2020.

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

Owner of Record	Individual Name on File
Mailing Address	493 ADDISON ST, ELGIN, IL 60120-4434
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2020 · Amount on File
Deed Sale	May 28, 2020 · Amount on File
Prior Sale	Jun 12, 2008
Deed Document Number	202027367
Record Updated	Oct 29, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 28, 2020
Property Address	493 ADDISON ST, ELGIN, IL 60120-4434
Document Number	0000027367
Instrument Date	Apr 23, 2020
Instrument	27367
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$190.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	493 ADDISON ST ELGIN IL 601204434, ELGIN, IL 60120-4434

Mortgage

Document Number	27368
Date	May 28, 2020
Instrument	27368

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 27, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 493 Addison St was $3,913 with a homeowner's exemption.

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	$3,913.00 Homeowner's exemption	$59,301 (+8.57%) Land $9,582 Building $49,719	$177,974 (+8.57%) Land $28,758 Building $149,217
2024		$54,620 Land $8,826 Building $45,794	$163,926 Land $26,489 Building $137,437
2022	$3,381.00 (+5.1%) Homeowner's exemption	$44,994 (+6.96%) Land $7,271 Building $37,723	$134,982 (+6.96%) Land $21,813 Building $113,169
2021	$3,217.00 Homeowner's exemption	$42,066 Land $6,798 Building $35,268	$126,198 Land $20,394 Building $105,804

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 493 Addison 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.

Wildfire

The area around 493 Addison 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.

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 625 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
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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