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514 Division St, Elgin, IL 60120 Property Records

Kane County property record for 514 Division St, Elgin, IL 60120

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 1,606 sqft · built 1900
Lot Size0.194 acres (8,448 sqft)
Owner2 Individual Names on Record
Last Sale$200,000 (Jul 2023)
Tax Bill$5,584 (2025)
Deeds & MortgagesJul 2023 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN06-13-254-015

Property Details

APN / Parcel Number

Primary APN06-13-254-015

Interior

Bedrooms2 Beds
Full Baths1 Bath
Total Rooms6 Rooms
Stories2 Stories
Building Area1,606 sqft Living Area
Gross Area2,537 sqft
Basement Area931 sqft

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 1900
Architectural StyleVictorian
Construction TypeFrame
Lot Area8,448 sqft (0.194 acres)
Garage TypeAttached
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemWindow A/C
Water SourceCommercial

Location & Zoning

Street Address514 DIVISION ST
CityELGIN
StateIL
Zip60120-5706
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionWEBBS 2ND SUB LOT 9 BLOCK 5
Legal SubdivisionWEBBS 2ND SUB
Legal Block5
Legal Lot Number9
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group3
Census Block3000
Census Tract851301

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin 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.

Owner

Source: Kane County records, as of August 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address2 ROBIN RD, CARPENTERSVILLE, IL 60110-1643
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 3, 2023 · Amount on Record
Deed SaleJul 3, 2023 · Amount on Record
Prior SaleFeb 6, 2008 · Amount on Record
Deed Document Number202322078
Prior Transfer DateMar 13, 2001
Prior Transfer Doc0000093109
Record UpdatedSep 20, 2026

July 2023: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionKANE IL
Recording DateJul 3, 2023
Property Address514 DIVISION ST, ELGIN, IL 60120-5706
Document Number0000022078
Instrument DateJun 27, 2023
Instrument2023K022078
Transaction TypeTransfer
Record UpdatedJul 13, 2023
Title CompanyCHICAGO TITLE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$200.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address384 DIVISION ST, ELGIN, IL 60120-5641

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address514 DIVISION ST, ELGIN, IL 60120-5706

Mortgage

Document Number0000022079
DateJul 3, 2023
Instrument2023K022079
Lender
NameGUARANTEED RATE INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2053
Interest
Rate TypeFixed Rate
Rate6.62%

Mortgage

Document Number0000022080
DateJul 3, 2023
Instrument2023K022080
Lender
NameILLINOIS HOUSING DEVELOPMENT AUTHORITY
TypeGovernment Agency
AddressCHICAGO, IL 60601
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term121 Months
DueAug 1, 2033

Tax Assessment & Valuation

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionElgin Township
MunicipalityElgin City
Unified School DistrictSchool District U-46 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,584.00 (+4.55%)$81,195 (+8.57%) Land $17,249 Building $63,946$243,682 (+8.57%) Land $51,768 Building $191,915
2024$74,785 (+21.39%) Land $15,887 Building $58,898$224,445 (+21.44%) Land $47,680 Building $176,765
2022$5,341.00 (+3.95%)$61,605 (+6.96%) Land $13,087 Building $48,518$184,815 (+6.96%) Land $39,261 Building $145,554
2021$5,138.00$57,596 Land $12,235 Building $45,361$172,788 Land $36,705 Building $136,083

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskNot 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 SystemELGIN
serves 114,797 people · EPA ID IL0894380
Water SourceSurface water
Last State InspectionAug 2025
Lead19 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting8
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 520 locations within half a mile, as of December 31, 2025

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

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