496 E Chicago St, #98, Elgin, IL 60120 Property Records

Kane County property record for 496 E Chicago St, #98, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	5 ba · 4,248 sqft · built 1900
Lot Size	0.159 acres (6,923 sqft)
Owner	Company Name on File
Last Sale	$275,000 (Feb 2017)
Tax Bill	$9,994 (2025)
Deeds & Mortgages	Feb 2017 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`06-13-260-016`

Property Details

APN / Parcel Number

Primary APN	`06-13-260-016`

Interior

Full Baths	5 Baths
Stories	2 Stories
Building Area	4,248 sqft Living Area
Gross Area	6,372 sqft
Basement Area	2,124 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Brick
Lot Area	6,923 sqft (0.159 acres)
Lot Dimensions	105 ft deep x 66 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	496 E CHICAGO ST, 98
City	ELGIN
State	IL
Zip	60120-5728
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WEBBS SUB OF OUTLOTS 5, 6, 7, 8 OF SEC 13-41-8 SOUTH 104.9 FT LOT 9 BLOCK 4
Legal Range	08
Legal Township	41
Legal Section	13
Legal Subdivision	WEBBS SUB
Legal Block	4
Legal Lot Number	9
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3010
Census Tract	851301

Owner

Source: Kane County records · APN 06-13-260-016

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	Company Name on File
Mailing Address	111 DOUGLAS AVE, ELGIN, IL 60120-5503
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 15, 2017 · Amount on Record
Deed Sale	Feb 15, 2017 · Amount on Record
Deed Document Number	20178617
Prior Transfer Date	Aug 21, 1998
Prior Transfer Doc	0000076856
Record Updated	Sep 20, 2026

February 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	KANE IL
Recording Date	Feb 15, 2017
Property Address	496 E CHICAGO ST # 98, 98, ELGIN, IL 60120-5728
Document Number	0000008617
Instrument Date	Aug 21, 1998
Instrument	2017K008617
Transaction Type	Foreclosure
Record Updated	Sep 21, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$275.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	938 DOVER ST, PINGREE GROVE, IL 60140-9180

Mortgage

Document Number	0000008618
Date	Feb 15, 2017
Instrument	2017K008618

Lender

Name	AMERICAN COMMUNITY BANK & TRUST
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$9,994.00 (+15.95%)
2024		$120,668 (+21.39%) Land $20,449 Building $100,219	$362,149 (+21.44%) Land $61,372 Building $300,777
2022	$8,619.00 (+3.96%)	$99,402 (+6.96%) Land $16,845 Building $82,557	$298,206 (+6.96%) Land $50,535 Building $247,671
2021	$8,291.00	$92,934 Land $15,749 Building $77,185	$278,802 Land $47,247 Building $231,555

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 8, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None 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 as of August 1, 2026 · Last verified October 2026

Historic District	Within 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Radiate Holdings Cable	1,500 / 50
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

Based on FCC filings for 520 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ELGIN serves 114,797 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.