551 Bird St, Elgin, IL 60123 Property Records

Kane County property record for 551 Bird St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 719 sqft · built 1943
Lot Size	0.145 acres (6,336 sqft)
Owner	Company Name on Record
Last Sale	$121,500 (Jun 2021)
Tax Bill	$4,590 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Jun 2021 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-11-380-003`

Property Details

APN / Parcel Number

Primary APN	`06-11-380-003`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	719 sqft Living Area
Gross Area	1,438 sqft
1st Floor Area	719 sqft
Basement Area	719 sqft

Exterior

Year Built	Built 1943
Effective Year Built	Effective 1943
Construction Type	Frame
Lot Area	6,336 sqft (0.145 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	551 BIRD ST
City	ELGIN
State	IL
Zip	60123-2824
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEARS ADDN WESTERLY 96 FT LOT 9
Legal Subdivision	SEARS ADDN
Legal Block	3
Legal Lot Number	9
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3032
Census Tract	854600

Owner

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	Company Name on Record
Mailing Address	2660 REGENCY CT E, SAINT CHARLES, IL 60175-7001
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2022	Deed of Trust, Mortgage · Line of Credit RFLF 4 LLC
Jun 4, 2021	Special Warranty Deed, Transfer · Line of Credit CHRISTOPHER POLLOCK
Sep 3, 2020	Warranty Deed, Foreclosure COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 4, 2021 · Amount on Record
Deed Sale	Jun 4, 2021 · Amount on Record
Prior Sale	Sep 3, 2020
Deed Document Number	202142689
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	551 BIRD ST, ELGIN, IL 60123-2824
Transaction Type	Mortgage
Record Updated	Nov 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000052807
Date	Oct 31, 2022
Instrument	2022K052807

Lender

Name	RFLF 4 LLC
Type	Non-Lending Institution
Address	CHICAGO, IL 60606

Agreement

Type	Line of Credit
Amount	Amount Recorded

June 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 4, 2021
Property Address	551 BIRD ST, ELGIN, IL 60123-2824
Document Number	0000042689
Instrument Date	Mar 3, 2021
Instrument	2021K042689
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$121.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2660 REGENCY CT E, SAINT CHARLES, IL 60175-7001

Mortgage

Document Number	0000042690
Date	Jun 4, 2021
Instrument	2021K042690

Lender

Name	CHRISTOPHER POLLOCK
Type	Private Party

Agreement

Type	Line of Credit
Amount	Amount Recorded

September 2020: Warranty Deed, Foreclosure

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 3, 2020
Property Address	551 BIRD ST, ELGIN, IL 60123-2824
Document Number	0000050592
Instrument Date	Aug 13, 2020
Instrument	50592
Transaction Type	Foreclosure
Record Updated	Oct 5, 2020
Title Company	COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC

Transaction

Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	3415 VISION DR COLUMBUS OH 432196009, COLUMBUS, OH 43219-6009

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,590.00 (+3.49%)	$60,169 (+8.57%) Land $14,714 Building $45,455	$180,579 (+8.57%) Land $44,160 Building $136,420
2024	$4,435.00 (+12.05%)	$55,420 (+21.39%) Land $13,553 Building $41,867	$166,327 (+21.44%) Land $40,675 Building $125,651
2022	$3,958.00 (+3.94%)	$45,653 (+6.96%) Land $11,164 Building $34,489	$136,959 (+6.96%) Land $33,492 Building $103,467
2021	$3,808.00	$42,683 Land $10,438 Building $32,245	$128,049 Land $31,314 Building $96,735

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 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

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.

Drinking Water

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

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, 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 382 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

May also be available: T-Mobile.

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