Kane County property record for 515 S Commonwealth Ave, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 744 sqft · built 1951 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $230,000 (Jan 2024) |
| Tax Bill | $4,264 (2025) |
| Deeds & Mortgages | Jan 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-23-154-003 |
| Primary APN | 06-23-154-003 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 744 sqft Living Area |
| Gross Area | 1,488 sqft |
| 1st Floor Area | 744 sqft |
| Basement Area | 744 sqft |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Architectural Style | Ranch |
| Construction Type | Frame |
| Lot Area | 7,841 sqft (0.18 acres) |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Water Source | Commercial |
| Street Address | 515 S COMMONWEALTH AVE |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-7325 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COUNTY CLERKS SUB OF LANDS SOUTH 60 FT NORTH 192 FT WEST 132 FT LYING EAST OF COMMONWEALTH AVE SOUTH 11.5 CHAINS LOT W OF LOT 13 (PARCEL C) SEC 23-41-8 |
| Legal Range | 08 |
| Legal Township | 41 |
| Legal Section | 23 |
| Legal Subdivision | COUNTY CLERKS SUB |
| Legal Block | 4 |
| Legal Lot Number | 13,W |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 851600 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 515 S COMMONWEALTH AVE, ELGIN, IL 60123-7325 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 9, 2024 · Amount on Record |
| Deed Sale | Jan 9, 2024 · Amount on Record |
| Prior Sale | Oct 5, 1998 · Amount on Record |
| Deed Document Number | 2024953 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jan 9, 2024 |
| Property Address | 515 S COMMONWEALTH AVE, ELGIN, IL 60123-7325 |
| Document Number | 0000000953 |
| Instrument Date | Dec 18, 2023 |
| Instrument | 2024K000953 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $230.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 515 S COMMONWEALTH AVE, ELGIN, IL 60123-7325 |
| Document Number | 0000000954 |
|---|---|
| Date | Jan 9, 2024 |
| Instrument | 2024K000954 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2054 |
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,264.00 (+1.43%) | $63,900 (+8.57%) Land $17,264 Building $46,636 | $191,777 (+8.57%) Land $51,813 Building $139,964 |
| 2024 | $58,856 (+21.4%) Land $15,901 Building $42,955 | $176,639 (+21.44%) Land $47,722 Building $128,917 | |
| 2022 | $4,204.00 (+3.96%) | $48,483 (+6.96%) Land $13,098 Building $35,385 | $145,449 (+6.96%) Land $39,294 Building $106,155 |
| 2021 | $4,044.00 | $45,328 Land $12,246 Building $33,082 | $135,984 Land $36,738 Building $99,246 |
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.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 626 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 DSL · Fiber in parts of the area | 100 / 20 |
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