511 Villa St, Elgin, IL 60120 Property Records

Kane County property record for 511 Villa St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,971 sqft · built 1900
Lot Size	0.435 acres (18,938 sqft)
Owner	Company Name on Record
Last Sale	$350,000 (Dec 2024)
Tax Bill	$8,025 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Jan 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-13-459-024`

Property Details

APN / Parcel Number

Primary APN	`06-13-459-024`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,971 sqft Living Area
Gross Area	4,635 sqft
Basement Area	1,664 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	18,938 sqft (0.435 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	511 VILLA ST
City	ELGIN
State	IL
Zip	60120-6717
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHERMANS ADD COUNTY CLERKS SUB D LOT 2 BLK 7
Legal Subdivision	COUNTY CLERKS SUB
Legal Block	7
Legal Lot Number	2
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4000
Census Tract	851400

Owner

Source: Kane County records, as of July 23, 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 Record
Mailing Address	2295 COUNTRY WATER CT, ELGIN, IL 60123-8859
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jan 4, 2019	Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 26, 2024 · Amount on Record
Deed Sale	Dec 26, 2024 · Amount on Record
Prior Sale	Dec 15, 2016 · Amount on Record
Deed Document Number	202447931
Prior Transfer Date	Oct 26, 2016
Prior Transfer Doc	0000069228
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	511 VILLA ST, ELGIN, IL 60120-6717
Transaction Type	Mortgage
Record Updated	Mar 21, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014556
Date	Mar 15, 2022
Instrument	2022K014556

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Fixed Rate
Rate	3.62%

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	511 VILLA ST, ELGIN, IL 60120-6717
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000526
Date	Jan 4, 2019
Instrument	2019K000526

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

Interest

Rate Type	Fixed Rate
Rate	5.25%

Tax Assessment & Valuation

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	$8,025.00 (+3.51%)	$105,190 (+8.57%) Land $20,976 Building $84,214	$315,696 (+8.57%) Land $62,953 Building $252,743
2024	$7,753.00 (+20.84%)	$96,887 (+30.92%) Land $19,320 Building $77,567	$290,777 (+30.98%) Land $57,983 Building $232,794
2022	$6,416.00 (+3.95%)	$74,003 (+6.96%) Land $15,915 Building $58,088	$222,009 (+6.96%) Land $47,745 Building $174,264
2021	$6,172.00	$69,187 Land $14,879 Building $54,308	$207,561 Land $44,637 Building $162,924

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

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

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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