Kane County property record for 521 Miller Dr, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,125 sqft · built 1948 |
| Lot Size | 0.146 acres (6,378 sqft) |
| Owner | Individual Name on File |
| Last Sale | $255,000 (Mar 2024) |
| Tax Bill | $4,980 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Mar 2024 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-22-278-011 |
| Primary APN | 06-22-278-011 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 5 Stories |
| Building Area | 1,125 sqft Living Area |
| Gross Area | 1,875 sqft |
| Basement Area | 750 sqft |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 6,378 sqft (0.146 acres) |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 521 MILLER DR |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-7232 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUNSET PARK LOT 24 BLOCK 4 |
| Legal Subdivision | SUNSET PARK |
| Legal Block | 4 |
| Legal Lot Number | 24 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 854900 |
521 Miller Dr is owned and occupied by an individual who bought it in March 2024.
Source: Kane County records, as of July 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 521 MILLER DR, ELGIN, IL 60123-7232 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jun 24, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF OMAHA |
| Mar 19, 2024 | Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF OMAHA |
| Oct 26, 2022 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Feb 6, 2020 | Warranty Deed, Transfer · FHA Mortgage AMERICAN NATIONWIDE MORTGAGE COMPAN |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 19, 2024 · Amount on File |
| Deed Sale | Mar 19, 2024 · Amount on File |
| Prior Sale | Feb 6, 2020 · Amount on File |
| Deed Document Number | 20248958 |
| Prior Transfer Date | May 9, 2014 |
| Prior Transfer Doc | 0000022201 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jun 24, 2026 |
| Property Address | 521 MILLER DR, ELGIN, IL 60123-7232 |
| Document Number | 0000026335 |
| Instrument Date | Jun 17, 2026 |
| Instrument | 202626335 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | WHEATLAND TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 521 MILLER DR, ELGIN, IL 60123-7232 |
| Document Number | 0000026336, |
|---|---|
| Date | Jun 24, 2026 |
| Instrument | 202626336 |
| Name | FIRST NATIONAL BANK OF OMAHA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.36% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Mar 19, 2024 |
| Property Address | 521 MILLER DR, ELGIN, IL 60123-7232 |
| Document Number | 0000008958 |
| Instrument Date | Mar 11, 2024 |
| Instrument | 2024K008958 |
| Transaction Type | Transfer |
| Record Updated | Mar 26, 2024 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $255.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 521 MILLER DR, ELGIN, IL 60123-7232 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1160 BLACKHAWK DR, ELGIN, IL 60120-2374 |
| Document Number | 0000008960 |
|---|---|
| Date | Mar 19, 2024 |
| Instrument | 2024K008960 |
| Name | FIRST NATIONAL BANK OF OMAHA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Adjustable | Adjustable Rate Rider |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 521 MILLER DR, ELGIN, IL 60123-7232 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2022 |
| Name | Verified Name |
|---|---|
| Address | 521 MILLER DR, ELGIN, IL 60123-7232 |
| Document Number | 0000052373 |
|---|---|
| Date | Oct 26, 2022 |
| Instrument | 2022K052373 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 329 Months |
| Due | Mar 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Feb 6, 2020 |
| Property Address | 521 MILLER DR, ELGIN, IL 60123-7232 |
| Document Number | 0000006872 |
| Instrument Date | Jan 22, 2020 |
| Instrument | 2020K006872 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2022 |
| Title Company | BAIRD & WARNER TTL SVCS INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $172.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 164 RIVER BLUFF RD, 164, ELGIN, IL 60120-2109 |
| Name | Verified Name |
|---|---|
| Address | 521 MILLER DR, ELGIN, IL 60123-7232 |
| Document Number | 0000006873 |
|---|---|
| Date | Feb 6, 2020 |
| Instrument | 2020K006873 |
| Name | AMERICAN NATIONWIDE MORTGAGE COMPAN |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4% |
The 2025 property tax bill for 521 Miller Dr was $4,980.
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 | $4,980.00 | $73,289 (+8.57%) Land $18,293 Building $54,996 | $219,955 (+8.57%) Land $54,901 Building $165,054 |
| 2024 | $67,504 Land $16,849 Building $50,655 | $202,593 Land $50,567 Building $152,026 | |
| 2022 | $4,301.00 (+4.83%) Homeowner's exemption | $55,608 (+6.96%) Land $13,880 Building $41,728 | $166,824 (+6.96%) Land $41,640 Building $125,184 |
| 2021 | $4,103.00 Homeowner's exemption | $51,990 Land $12,977 Building $39,013 | $155,970 Land $38,931 Building $117,039 |
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.
FEMA maps place 521 Miller Dr 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 risk around 521 Miller Dr 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.
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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