Kane County property record for 524 Willis St, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,152 sqft · built 1923 |
| Lot Size | 0.148 acres (6,435 sqft) |
| Owner | 2 Individuals on Record |
| Last Sale | $147,500 (Jun 2004) |
| Tax Bill | $3,467 (2025) |
| Deeds & Mortgages | Aug 2026 Line of Credit Apr 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-24-162-015 |
| Primary APN | 06-24-162-015 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,152 sqft Living Area |
| Gross Area | 2,016 sqft |
| 1st Floor Area | 1,152 sqft |
| Basement Area | 864 sqft |
| Year Built | Built 1923 |
|---|---|
| Effective Year Built | Effective 1923 |
| Construction Type | Frame |
| Lot Area | 6,435 sqft (0.148 acres) |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 524 WILLIS ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-7746 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | R D JOHNSONS ADDN LOT 6 |
| Legal Subdivision | R D JOHNSONS ADDN |
| Legal Block | 3 |
| Legal Lot Number | 6 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3009 |
| Census Tract | 851600 |
Source: Kane County assessment roll, 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 Individuals on Record |
|---|---|
| Mailing Address | 524 WILLIS ST, ELGIN, IL 60123-7746 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Aug 6, 2026 | Deed of Trust, Mortgage · Line of Credit FINANCE OF AMERICA REVERSE LLC |
| Apr 13, 2022 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Jan 26, 2018 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 18, 2004 · Amount on Record |
| Deed Sale | Jun 18, 2004 · Amount on Record |
| Prior Sale | Jan 3, 1995 · Amount on Record |
| Deed Document Number | 200480839 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Aug 6, 2026 |
| Property Address | 524 WILLIS ST, ELGIN, IL 60123-7746 |
| Document Number | 0000033688 |
| Instrument Date | May 15, 2026 |
| Instrument | 202633688 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2026 |
| Title Company | MORTGAGE CTR TITLE LLC, MORTGAGE CADENCE LLC |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety, 298 |
| Address | 524 WILLIS ST, ELGIN, IL 60123-7746 |
| Document Number | 0000033688, |
|---|---|
| Date | Aug 6, 2026 |
| Instrument | 202633688 |
| Name | FINANCE OF AMERICA REVERSE LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 988 Months |
| Due | Dec 6, 2108 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 524 WILLIS ST, ELGIN, IL 60123-7746 |
| Transaction Type | Mortgage |
| Record Updated | Apr 19, 2022 |
| Name | Verified Name |
|---|---|
| Address | 524 WILLIS ST, ELGIN, IL 60123-7746 |
| Document Number | 0000020087 |
|---|---|
| Date | Apr 13, 2022 |
| Instrument | 2022K020087 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Apr 14, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 524 WILLIS ST, ELGIN, IL 60123-7746 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000004475 |
|---|---|
| Date | Jan 26, 2018 |
| Instrument | 2018K004475 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44101 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $3,467.00 (+12.24%) Homeowner's exemption Senior Citizen's exemption | $61,452 (+8.57%) Land $13,111 Building $48,341 | $184,430 (+8.57%) Land $39,349 Building $145,081 |
| 2024 | $56,601 (+21.39%) Land $12,076 Building $44,525 | $169,871 (+21.44%) Land $36,242 Building $133,628 | |
| 2022 | $3,089.00 (+6.26%) Homeowner's exemption | $46,626 (+6.96%) Land $9,948 Building $36,678 | $139,878 (+6.96%) Land $29,844 Building $110,034 |
| 2021 | $2,907.00 Homeowner's exemption | $43,592 Land $9,301 Building $34,291 | $130,776 Land $27,903 Building $102,873 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 | Low lower than 97% of the US · lower than 79% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 385 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures