552 Center St, Elgin, IL 60120 Property Records

Kane County property record for 552 Center St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,020 sqft · built 1929
Lot Size	0.139 acres (6,072 sqft)
Owner	2 Individual Names on Record
Last Sale	$215,000 (Sep 2020)
Tax Bill	$5,621 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Sep 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-12-351-012`

Property Details

APN / Parcel Number

Primary APN	`06-12-351-012`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,020 sqft Living Area
Gross Area	2,040 sqft
1st Floor Area	1,020 sqft
Basement Area	1,020 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Construction Type	Frame
Lot Area	6,072 sqft (0.139 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	552 CENTER ST
City	ELGIN
State	IL
Zip	60120-3767
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	P J KIMBALL JRS 3RD ADDN EAST 132 FT OF SOUTH 46 FT LOT 4 BLOCK 32
Legal Subdivision	P J KIMBALL JRS 3RD ADDN
Legal Block	32
Legal Lot Number	4
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2005
Census Tract	851302

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	2 Individual Names on Record
Mailing Address	552 CENTER ST, ELGIN, IL 60120-3767
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage MIDWEST COMMUNITY BANK
Sep 14, 2020	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Aug 21, 2017	Warranty Deed, Transfer · ARM HOME SERVICES LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2020 · Amount on Record
Deed Sale	Sep 14, 2020 · Amount on Record
Prior Sale	Aug 21, 2017 · Amount on Record
Deed Document Number	202052614
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	552 CENTER ST, ELGIN, IL 60120-3767
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036494
Date	Jul 8, 2020
Instrument	2020K036494

Lender

Name	MIDWEST COMMUNITY BANK
Type	Bank
Address	FREEPORT, IL 61032

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.5%

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 14, 2020
Property Address	552 CENTER ST, ELGIN, IL 60120-3767
Document Number	0000052614
Instrument Date	Sep 4, 2020
Instrument	2020K052614
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	HERITAGE TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$215.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	552 CENTER ST, ELGIN, IL 60120-3767
Investor	Possibly a Property Investor

Mortgage

Document Number	0000052615
Date	Sep 14, 2020
Instrument	2020K052615

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2040

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 21, 2017
Property Address	552 CENTER ST, ELGIN, IL 60120-3767
Document Number	0000043635
Instrument Date	Aug 4, 2017
Instrument	2017K043635
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$175.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	10432 JOHNSON AVE S, MINNEAPOLIS, MN 55437-2820

Mortgage

Document Number	0000043636
Date	Aug 21, 2017
Instrument	2017K043636

Lender

Name	HOME SERVICES LENDING LLC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Sep 1, 2022
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	6%
Index	1-Year LIBOR
Max Rate	9%

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	$5,621.00 (+15.8%) Homeowner's exemption	$81,689 (+8.57%) Land $14,642 Building $67,047	$245,165 (+8.57%) Land $43,944 Building $201,221
2024		$75,241 (+21.39%) Land $13,486 Building $61,755	$225,813 (+21.44%) Land $40,474 Building $185,339
2022	$4,854.00 (+4.75%) Homeowner's exemption	$61,982 (+6.96%) Land $11,110 Building $50,872	$185,946 (+6.96%) Land $33,330 Building $152,616
2021	$4,634.00 Homeowner's exemption	$57,949 Land $10,387 Building $47,562	$173,847 Land $31,161 Building $142,686

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 504 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Fox Valley Internet, T-Mobile, Verizon.

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