559 Columbia Ave, Elgin, IL 60120 Property Records

Kane County property record for 559 Columbia Ave, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,163 sqft · built 1875
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$80,000 (Jul 2013)
Tax Bill	$5,154 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Mar 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-12-407-002`

Property Details

APN / Parcel Number

Primary APN	`06-12-407-002`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,163 sqft Living Area
Gross Area	1,853 sqft
1st Floor Area	1,163 sqft
Basement Area	690 sqft

Exterior

Year Built	Built 1875
Effective Year Built	Effective 1875
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Window A/C
Water Source	Commercial

Location & Zoning

Street Address	559 COLUMBIA AVE
City	ELGIN
State	IL
Zip	60120-3946
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MCBRIDES HEIRS 2ND ADDN LOT 4 BLOCK 7
Legal Subdivision	MCBRIDES HEIRS 2ND ADDN
Legal Block	7
Legal Lot Number	4
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4002
Census Tract	850800

Owner

559 Columbia Ave is owned and occupied by an individual who bought it in July 2013.

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

Owner of Record	Individual Name on File
Mailing Address	559 COLUMBIA AVE, ELGIN, IL 60120-3946
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
Aug 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage EMERALD MORTGAGE CORP
Mar 13, 2017	Deed of Trust, Mortgage · FHA Mortgage OCWEN LN SERVICING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2013 · Amount on File
Deed Sale	Jul 12, 2013 · Amount on File
Prior Sale	Oct 14, 2004 · Amount on File
Deed Document Number	201351147
Prior Transfer Date	Feb 14, 1997
Prior Transfer Doc	0000017291
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	559 COLUMBIA AVE, ELGIN, IL 60120-3946
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ADVISORS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000044041
Date	Aug 7, 2020
Instrument	2020K044041

Lender

Name	EMERALD MORTGAGE CORP
Type	Mortgage Company
Address	CRYSTAL LAKE, IL 60012

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2050

Interest

Rate Type	Fixed Rate
Rate	4.75%

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	559 COLUMBIA AVE, ELGIN, IL 60120-3946
Document Number	0000015001
Instrument Date	Mar 13, 2017
Transaction Type	Mortgage
Record Updated	May 3, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	559 COLUMBIA AVE ELGIN IL 601203946, ELGIN, IL 60120-3946

Mortgage

Document Number	0000015001
Date	Mar 24, 2017
Instrument	15001

Lender

Name	OCWEN LN SERVICING
Type	Funding / Finance Company
Address	WEST PALM BEACH, FL 33409

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 23, 2047

Interest

Rate Type	Fixed Rate
Rate	4%

Tax Assessment & Valuation

The 2025 property tax bill for 559 Columbia Ave was $5,154 with a homeowner's exemption.

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	$5,154.00 Homeowner's exemption	$75,565 (+8.57%) Land $20,696 Building $54,869	$226,786 (+8.57%) Land $62,113 Building $164,673
2024		$69,600 Land $19,062 Building $50,538	$208,884 Land $57,209 Building $151,675
2022	$4,451.00 (+4.8%) Homeowner's exemption	$57,334 (+6.96%) Land $15,703 Building $41,631	$172,002 (+6.96%) Land $47,109 Building $124,893
2021	$4,247.00 Homeowner's exemption	$53,603 Land $14,681 Building $38,922	$160,809 Land $44,043 Building $116,766

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 559 Columbia Ave 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.

Wildfire

The area around 559 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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