558 Center St, Elgin, IL 60120 Property Records

Kane County property record for 558 Center St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,634 sqft · built 1890
Lot Size	0.139 acres (6,072 sqft)
Owner	2 Individual Names on Record
Last Sale	$192,000 (Dec 2020)
Tax Bill	$5,760 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-12-351-011`

Property Details

APN / Parcel Number

Primary APN	`06-12-351-011`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,634 sqft Living Area
Gross Area	2,451 sqft
Basement Area	817 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Construction Type	Frame
Lot Area	6,072 sqft (0.139 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	558 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 SOUTH 46 FT OF NORTH 69.9 FT EAST 132 FT (ON EAST LINE) LOT 4 BLOCK 32
Legal Subdivision	P J KIMBALL JRS 3RD ADDN
Legal Block	2
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	558 CENTER ST, ELGIN, IL 60120-3767
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2020	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE INC
Apr 24, 2019	Warranty Deed, Transfer · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2020 · Amount on Record
Deed Sale	Dec 4, 2020 · Amount on Record
Prior Sale	Apr 24, 2019 · Amount on Record
Deed Document Number	202075248
Prior Transfer Date	Nov 28, 2003
Prior Transfer Doc	0000095620
Record Updated	Oct 29, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 4, 2020
Property Address	558 CENTER ST, ELGIN, IL 60120-3767
Document Number	0000075248
Instrument Date	Oct 19, 2020
Instrument	2020K075248
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CITYWIDE TITLE CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$192.00
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	1502 CANTERFIELD PKWY W, WEST DUNDEE, IL 60118-9018

Mortgage

Document Number	0000075249
Date	Dec 4, 2020
Instrument	2020K075249

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Nov 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.75%

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 24, 2019
Property Address	558 CENTER ST, ELGIN, IL 60120-3767
Document Number	0000015901
Instrument Date	Mar 29, 2019
Instrument	2019K015901
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	$183.00
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	Joint Tenants
Address	558 CENTER ST, ELGIN, IL 60120-3767

Mortgage

Document Number	0000015902
Date	Apr 24, 2019
Instrument	2019K015902

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4.37%

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	$5,760.00 (+15.83%) Homeowner's exemption	$83,507 (+8.57%) Land $14,642 Building $68,865	$250,621 (+8.57%) Land $43,944 Building $206,678
2024		$76,915 (+21.39%) Land $13,486 Building $63,429	$230,837 (+21.44%) Land $40,474 Building $190,363
2022	$4,973.00 (+4.72%) Homeowner's exemption	$63,360 (+6.96%) Land $11,110 Building $52,250	$190,080 (+6.96%) Land $33,330 Building $156,750
2021	$4,749.00 Homeowner's exemption	$59,237 Land $10,387 Building $48,850	$177,711 Land $31,161 Building $146,550

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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