504 Adams St, Elgin, IL 60123 Property Records

Kane County property record for 504 Adams St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 725 sqft · built 1952
Lot Size	0.169 acres (7,350 sqft)
Owner	2 Individual Names on File
Last Sale	$140,000 (Sep 2019)
Tax Bill	$3,924 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Feb 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-23-258-020`

Property Details

APN / Parcel Number

Primary APN	`06-23-258-020`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	725 sqft Living Area
Gross Area	1,450 sqft
1st Floor Area	725 sqft
Basement Area	725 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Construction Type	Frame
Lot Area	7,350 sqft (0.169 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	504 ADAMS ST
City	ELGIN
State	IL
Zip	60123-7430
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	B J WETMORES ADDN LOT 11
Legal Subdivision	B J WETMORES ADDN
Legal Block	4
Legal Lot Number	11
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4011
Census Tract	851600

Owner

504 Adams St is owned and occupied by two individuals who bought it in September 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	504 ADAMS ST, ELGIN, IL 60123-7430
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

Date	Document
Jun 14, 2022	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Feb 22, 2022	Deed of Trust, Mortgage · FHA Mortgage US NATIONAL BANK
Sep 20, 2019	Warranty Deed, Transfer · FHA Mortgage WINTRUST MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2019 · Amount on File
Deed Sale	Sep 20, 2019 · Amount on File
Prior Sale	Jul 24, 2008 · Amount on File
Deed Document Number	201944145
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	504 ADAMS ST, ELGIN, IL 60123-7430
Transaction Type	Mortgage
Record Updated	Jun 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	504 ADAMS ST, ELGIN, IL 60123-7430

Mortgage

Document Number	0000031128
Date	Jun 14, 2022
Instrument	2022K031128

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	356 Months
Due	Feb 1, 2052

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	504 ADAMS ST, ELGIN, IL 60123-7430
Transaction Type	Mortgage
Record Updated	Mar 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	504 ADAMS ST, ELGIN, IL 60123-7430

Mortgage

Document Number	0000010128
Date	Feb 22, 2022
Instrument	2022K010128

Lender

Name	US NATIONAL BANK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 20, 2019
Property Address	504 ADAMS ST, ELGIN, IL 60123-7430
Document Number	0000044145
Instrument Date	Aug 27, 2019
Instrument	2019K044145
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	ATTORNEYS TTL GUARANTY FUND

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$140.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	504 N MCLEAN BLVD # 100, 100, ELGIN, IL 60123-3275

Mortgage

Document Number	0000044146
Date	Sep 20, 2019
Instrument	2019K044146

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2049

Interest

Rate Type	Fixed Rate
Rate	3.62%
Change Frequency	6 Months

Mortgage

Document Number	0000044147
Date	Sep 20, 2019
Instrument	2019K044147

Lender

Name	ILLINOIS HOUSING DEVELOPMENT AUTHORITY
Type	Government Agency
Address	CHICAGO, IL 60601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 504 Adams St was $3,924 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	$3,924.00 Homeowner's exemption	$59,444 (+8.57%) Land $15,540 Building $43,904	$178,403 (+8.57%) Land $46,639 Building $131,765
2024		$54,751 Land $14,313 Building $40,438	$164,319 Land $42,956 Building $121,363
2022	$3,390.00 (+5.08%) Homeowner's exemption	$45,103 (+6.96%) Land $11,791 Building $33,312	$135,309 (+6.96%) Land $35,373 Building $99,936
2021	$3,226.00 Homeowner's exemption	$42,168 Land $11,024 Building $31,144	$126,504 Land $33,072 Building $93,432

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 504 Adams 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

Wildfire risk around 504 Adams St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 578 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 Fixed Wireless · DSL	100 / 20

May also be available: T-Mobile.

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