574 Barrett St, Elgin, IL 60120 Property Records

Kane County property record for 574 Barrett St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	5 bd · 1.5 ba · 1,638 sqft · built 1934
Lot Size	0.7 acres (3,049 sqft)
Owner	Individual Name on Record
Last Sale	$128,000 (Dec 2013)
Tax Bill	$5,954 (2025)
Deeds & Mortgages	May 2022 Second Mortgage Dec 2023 Second Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`06-13-456-033`

Property Details

APN / Parcel Number

Primary APN	`06-13-456-033`

Interior

Bedrooms	5 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	5 Stories
Building Area	1,638 sqft Living Area
Gross Area	2,730 sqft
Basement Area	1,092 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1934
Effective Year Built	Effective 1934
Construction Type	Frame
Lot Area	3,049 sqft (0.7 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	574 BARRETT ST
City	ELGIN
State	IL
Zip	60120-6769
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BERNARD HEALYS SUB LOT 1 OF JAMES H & FULTON GIFFORDS ADDN WEST 40 FT EAST 92 FT LOT 6 & WEST 40 FT EAST 92 FT SOUTH 16.5 FT LOT 7
Legal Subdivision	BERNARD HEALYS SUB
Legal Block	3
Legal Lot Number	1,6
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3002
Census Tract	851400

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	Individual Name on Record
Mailing Address	574 BARRETT ST, ELGIN, IL 60120-6769
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 11, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Dec 26, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Sep 16, 2025	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Sep 24, 2025	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Mar 31, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Mar 26, 2018	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 27, 2013 · Amount on Record
Deed Sale	Dec 27, 2013 · Amount on Record
Prior Sale	Aug 15, 2013 · Amount on Record
Deed Document Number	201388538
Prior Transfer Date	Jun 29, 2007
Prior Transfer Doc	0000078834
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	574 BARRETT ST, ELGIN, IL 60120-6769
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025371
Date	May 11, 2022
Instrument	2022K025371

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 11, 2032

Interest

Rate Type	Fixed Rate
Rate	7.99%

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	574 BARRETT ST, ELGIN, IL 60120-6769
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000044825
Date	Dec 26, 2023
Instrument	2023K044825

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 18, 2038

Interest

Rate Type	Fixed Rate
Rate	10%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	574 BARRETT ST, ELGIN, IL 60120-6769
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	574 BARRETT ST, ELGIN, IL 60120-6769

Mortgage

Document Number	0000035808
Date	Sep 16, 2025
Instrument	2025K035808

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Sep 15, 2065

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	574 BARRETT ST, ELGIN, IL 60120-6769
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	574 BARRETT ST, ELGIN, IL 60120-6769

Mortgage

Document Number	0000036970
Date	Sep 24, 2025
Instrument	2025K036970

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Sep 15, 2065

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	574 BARRETT ST, ELGIN, IL 60120-6769
Document Number	0000020278
Instrument Date	Mar 31, 2020
Transaction Type	Mortgage
Record Updated	Jul 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	574 BARRETT ST ELGIN IL 601206769, ELGIN, IL 60120-6769

Mortgage

Document Number	0000020278
Date	Apr 23, 2020
Instrument	20278

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	Apr 22, 2040

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	574 BARRETT ST, ELGIN, IL 60120-6769
Document Number	0000014583
Instrument Date	Mar 26, 2018
Transaction Type	Mortgage
Record Updated	Apr 11, 2018
Title Company	WORLDWIDE RECORDING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	574 BARRETT ST ELGIN IL 601206769, ELGIN, IL 60120-6769

Mortgage

Document Number	0000014583
Date	Apr 2, 2018
Instrument	14583

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2048

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	$5,954.00 (+15.81%) Homeowner's exemption	$86,050 (+8.57%) Land $10,060 Building $75,990	$258,253 (+8.57%) Land $30,192 Building $228,061
2024		$79,258 (+21.39%) Land $9,266 Building $69,992	$237,869 (+21.44%) Land $27,809 Building $210,060
2022	$5,141.00 (+4.7%) Homeowner's exemption	$65,290 (+6.96%) Land $7,633 Building $57,657	$195,870 (+6.96%) Land $22,899 Building $172,971
2021	$4,910.00 Homeowner's exemption	$61,041 Land $7,136 Building $53,905	$183,123 Land $21,408 Building $161,715

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	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 438 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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