552 Columbia Ave, Elgin, IL 60120 Property Records

Kane County property record for 552 Columbia Ave, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,596 sqft · built 1930
Lot Size	0.133 acres (5,808 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (Jul 2022)
Tax Bill	$5,286 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2024 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-12-404-003`

Property Details

APN / Parcel Number

Primary APN	`06-12-404-003`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	9 Rooms
Stories	5 Stories
Building Area	1,596 sqft Living Area
Gross Area	2,660 sqft
Basement Area	1,064 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	5,808 sqft (0.133 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	552 COLUMBIA AVE
City	ELGIN
State	IL
Zip	60120-3906
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MCBRIDES HEIRS 2ND ADDN SOUTH 88 FT LOT 6 BLOCK 6
Legal Subdivision	MCBRIDES HEIRS 2ND ADDN
Legal Block	6
Legal Lot Number	6
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3024
Census Tract	850800

Owner

552 Columbia Ave is owned and occupied by two individuals who bought it in July 2022.

Source: Kane County records, as of July 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	552 COLUMBIA AVE, ELGIN, IL 60120-3906
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK
Apr 25, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Jun 6, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Jul 15, 2022	Warranty Deed, Transfer · FHA Mortgage GENEVA FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2022 · Amount on File
Deed Sale	Jul 15, 2022 · Amount on File
Prior Sale	Jan 6, 2011 · Amount on File
Deed Document Number	202236420
Prior Transfer Date	Nov 16, 2001
Prior Transfer Doc	0000014406
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	Apr 29, 2026
Property Address	552 COLUMBIA AVE, ELGIN, IL 60120-3906
Document Number	0000017261
Instrument Date	Mar 18, 2026
Instrument	202617261
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	552 COLUMBIA AVE, ELGIN, IL 60120-3906

Mortgage

Document Number	0000017261,
Date	Apr 29, 2026
Instrument	202617261

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	480 Months
Due	Apr 1, 2066

Interest

Rate	6.01%
Max Rate	-1%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	552 COLUMBIA AVE, ELGIN, IL 60120-3906
Transaction Type	Mortgage
Record Updated	May 1, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	552 COLUMBIA AVE, ELGIN, IL 60120-3906

Mortgage

Document Number	0000013670
Date	Apr 25, 2024
Instrument	2024K013670

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	339 Months
Due	Jul 1, 2052

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	552 COLUMBIA AVE, ELGIN, IL 60120-3906
Transaction Type	Mortgage
Record Updated	Jun 15, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	552 COLUMBIA AVE, ELGIN, IL 60120-3906

Mortgage

Document Number	0000018251
Date	Jun 6, 2023
Instrument	2023K018251

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	349 Months
Due	Jul 1, 2052

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 15, 2022
Property Address	552 COLUMBIA AVE, ELGIN, IL 60120-3906
Document Number	0000036420
Instrument Date	Jun 30, 2022
Instrument	2022K036420
Transaction Type	Transfer
Record Updated	Jul 21, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$285.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	552 COLUMBIA AVE, ELGIN, IL 60120-3906

Mortgage

Document Number	0000036421
Date	Jul 15, 2022
Instrument	2022K036421

Lender

Name	GENEVA FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2052

Interest

Rate Type	Fixed Rate
Rate	5.62%

Tax Assessment & Valuation

The 2025 property tax bill for 552 Columbia Ave was $5,286 with a homeowner's exemption, up 4.5% from the year before.

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	$5,286.00 (+4.53%) Homeowner's exemption	$77,293 (+8.57%) Land $15,212 Building $62,081	$231,972 (+8.57%) Land $45,654 Building $186,318
2024	$5,057.00	$71,192 Land $14,011 Building $57,181	$213,661 Land $42,050 Building $171,612
2022	$4,565.00 (+4.8%) Homeowner's exemption	$58,646 (+6.96%) Land $11,542 Building $47,104	$175,938 (+6.96%) Land $34,626 Building $141,312
2021	$4,356.00 Homeowner's exemption	$54,830 Land $10,791 Building $44,039	$164,490 Land $32,373 Building $132,117

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

FEMA maps place 552 Columbia Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2007.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (2007–2008)
Most Recent Claim	Sep 2008 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2008 · 2 claims

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.

Wildfire

The area around 552 Columbia Ave 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.

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 587 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
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile.

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