Kane County property record for 551 Melrose Ct, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,641 sqft · built 1966 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $169,500 (Sep 2001) |
| Tax Bill | $6,761 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-22-255-024 |
| Primary APN | 06-22-255-024 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,641 sqft Living Area |
| Gross Area | 2,262 sqft |
| Basement Area | 621 sqft |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 9,583 sqft (0.22 acres) |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|
| Street Address | 551 MELROSE CT |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-7269 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BURNIDGES ADDN TO SUNSET PARK LOT 13 (EX PT DESC IN DOC 2011K029005) |
| Legal Subdivision | BURNIDGES ADDN |
| Legal Block | 3 |
| Legal Lot Number | 13 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 854900 |
551 Melrose Ct is owned and occupied by two individuals who bought it in September 2001.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 551 MELROSE CT, ELGIN, IL 60123-7269 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 12, 2001 · Amount on File |
| Deed Sale | Sep 12, 2001 · Amount on File |
| Deed Document Number | 200194698 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 551 MELROSE CT, ELGIN, IL 60123-7269 |
| Transaction Type | Mortgage |
| Record Updated | Feb 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000010197 |
|---|---|
| Date | Feb 8, 2021 |
| Instrument | 2021K010197 |
| Name | FIRST AMERICAN BANK |
|---|---|
| Type | Bank |
| Address | 69014 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Feb 1, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.37% |
The 2025 property tax bill for 551 Melrose Ct was $6,761 with a homeowner's exemption.
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 | $6,761.00 Homeowner's exemption | $96,634 (+8.57%) Land $18,180 Building $78,454 | $290,018 (+8.57%) Land $54,562 Building $235,456 |
| 2024 | $89,006 Land $16,745 Building $72,261 | $267,125 Land $50,255 Building $216,870 | |
| 2022 | $5,837.00 (+4.61%) Homeowner's exemption | $73,320 (+6.96%) Land $13,794 Building $59,526 | $219,960 (+6.96%) Land $41,382 Building $178,578 |
| 2021 | $5,580.00 Homeowner's exemption | $68,549 Land $12,896 Building $55,653 | $205,647 Land $38,688 Building $166,959 |
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 551 Melrose Ct 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.
The area around 551 Melrose Ct has no burnable land within ember reach, so its wildfire risk is not rated.
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 32 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Astound Broadband, T-Mobile.
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