500 Villa St, Elgin, IL 60120 Property Records

Kane County property record for 500 Villa St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,778 sqft · built 1890
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$114,000 (Apr 2021)
Tax Bill	$5,775 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-13-458-013`

Property Details

APN / Parcel Number

Primary APN	`06-13-458-013`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,778 sqft Living Area
Gross Area	2,715 sqft
Basement Area	937 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Custom Design
Construction Type	Frame
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	500 VILLA ST
City	ELGIN
State	IL
Zip	60120-6718
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BERNARD HEALYS SUB OF LOT 1 JAMES H & FULTON GIFFORDS ADD WLY 69 1/3 FT (ON N LINE) LOTS 14 & 15
Legal Subdivision	JAMES H&FULTON GIFFORDS ADD
Legal Block	3
Legal Lot Number	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3003
Census Tract	851400

Owner

500 Villa St is owned and occupied by two individuals who bought it in April 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	500 VILLA ST, ELGIN, IL 60120-6718
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Date	Document
Apr 30, 2021	Warranty Deed, Transfer · Conventional Mortgage BJV FINANCIAL SERVICES INC
Jun 26, 2017	Intrafamily Transfer, Transfer · ARM MB FINANCIAL BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2021 · Amount on File
Deed Sale	Apr 30, 2021 · Amount on File
Prior Sale	Oct 8, 2008 · Amount on File
Deed Document Number	202133969
Prior Transfer Date	Jun 15, 2017
Prior Transfer Doc	0000032725
Record Updated	Oct 29, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 30, 2021
Property Address	500 VILLA ST, ELGIN, IL 60120-6718
Document Number	0000033969
Instrument Date	Jan 29, 2021
Instrument	2021K033969
Transaction Type	Transfer
Record Updated	May 12, 2021
Title Company	GREATER ILLINOIS TITLE COMPANY, GREATER ILLINOIS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$114.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	500 VILLA ST, ELGIN, IL 60120-6718

Mortgage

Document Number	0000033970
Date	Apr 30, 2021
Instrument	2021K033970

Lender

Name	BJV FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Feb 1, 2051

Interest

Rate	3.62%

June 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Jun 26, 2017
Property Address	500 VILLA ST, ELGIN, IL 60120-6718
Document Number	0000032725
Instrument Date	Jun 15, 2017
Instrument	2017K032725
Transaction Type	Transfer
Record Updated	Jul 27, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	500 VILLA ST, ELGIN, IL 60120-6718

Mortgage

Document Number	0000032726
Date	Jun 26, 2017
Instrument	2017K032726

Lender

Name	MB FINANCIAL BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.12%
Index	1-Year LIBOR
Max Rate	9.12%

Tax Assessment & Valuation

The 2025 property tax bill for 500 Villa St was $5,775 with exemptions applied.

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	$5,775.00 Homeowner's exemption Senior Citizen's exemption	$91,707 (+8.57%) Land $17,878 Building $73,829	$275,231 (+8.57%) Land $53,655 Building $221,576
2024		$84,468 Land $16,467 Building $68,001	$253,505 Land $49,421 Building $204,085
2022	$5,513.00 (+4.65%) Homeowner's exemption	$69,582 (+6.96%) Land $13,565 Building $56,017	$208,746 (+6.96%) Land $40,695 Building $168,051
2021	$5,268.00 Homeowner's exemption	$65,054 Land $12,682 Building $52,372	$195,162 Land $38,046 Building $157,116

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 500 Villa 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 500 Villa 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 515 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Verizon Fixed Wireless	300 / 20

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

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