532 Willard Ave, Elgin, IL 60120 Property Records

Cook County property record for 532 Willard Ave, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 620 sqft · built 1939
Lot Size	0.187 acres (8,137 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Aug 2024)
Tax Bill	$3,998 (2023)
Deeds & Mortgages	Jan 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`06-19-113-072`

Property Details

APN / Parcel Number

Primary APN	`06-19-113-072`
Alternative APN	`06-19-113-072-0000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	620 sqft Living Area
1st Floor Area	620 sqft

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1940
Exterior Material	Wood
Construction Type	Frame
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	8,137 sqft (0.187 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Water Source	Commercial

Location & Zoning

Street Address	532 WILLARD AVE
City	ELGIN
State	IL
Zip	60120-8112
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	(BLUFF) CITY ADD ELGIN ILLINOIS IN NW SEC 19-41-09
Legal Range	09E
Legal Township	41N
Legal Section	19
Legal Subdivision	CITY ADD
Legal Block	3
Legal Lot Number	3,2
Jurisdiction	COOK IL
Township / Civil Division	HANOVER
Census Block Group	1
Census Block	1003
Census Tract	804406

Owner

Source: Cook County records · APN 06-19-113-072

Assessment roll updated May 27, 2026 · Last verified June 2026

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

Owner of Record	Individual Name on File
Mailing Address	39W988 CLYDE PKWY, ST CHARLES, IL 60174
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 06, 2024 · Amount on Record
Deed Sale	Aug 06, 2024 · Amount on Record
Prior Sale	Jan 07, 2019 · Amount on Record
Deed Document Number	20242332
Prior Transfer Date	Apr 16, 1999
Prior Transfer Doc	0000000514
Record Updated	Sep 20, 2026

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Jan 07, 2019
Property Address	532 WILLARD AVE, ELGIN, IL 60120-8112
Document Number	1900757023
Instrument Date	Dec 26, 2018
Instrument	757023
Transaction Type	Transfer
Record Updated	Jan 18, 2019
Title Company	BAIRD AND WARNER TITLE SERVICES INC, BAIRD & WARNER TITLE SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$166.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	945 BYRON CT NAPERVILLE IL 605408261, NAPERVILLE, IL 60540-8261

Mortgage

Document Number	1900757024
Date	Jan 07, 2019
Instrument	757024

Lender

Name	FINANCE OF AMERICA MTG
Address	HORSHAM, PA 19044

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 06, 2049

Interest

Rate	5.12%

Tax Assessment & Valuation

Source: Cook County records · Assessment roll updated May 27, 2026 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Cook County
County Subdivision	Hanover Township
Municipality	Elgin City
Unified School District	School District U-46 (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$20,000 (+16.25%) Land $5,696 Building $14,304	$200,000 (+16.25%) Land $56,960 Building $143,040
2023	$3,998.00 (+3.71%)
2022	$3,855.00	$17,204 Land $3,254 Building $13,950	$172,040 Land $32,540 Building $139,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cook County (17031C), as of February 11, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170318044061, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	16 (1997–2020)
Claims Outside the SFHA	5 of 16
Most Recent Claim	May 2020 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 2 claims Severe Storms And Flooding, Sep 2008 · 7 claims

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Radiate Holdings Cable	1,500 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T.

Based on FCC filings for 438 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system IL0894380, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ELGIN serves 114,797 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.