578 Enterprise St, Elgin, IL 60120 Property Records

Kane County property record for 578 Enterprise St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,914 sqft · built 1920
Lot Size	0.242 acres (10,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (May 2021)
Tax Bill	$6,768 (2025)
Deeds & Mortgages	Sep 2025 Mortgage May 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-12-453-011`

Property Details

APN / Parcel Number

Primary APN	`06-12-453-011`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,914 sqft Living Area
Gross Area	3,058 sqft
Basement Area	1,144 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Colonial
Construction Type	Frame
Lot Area	10,560 sqft (0.242 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	578 ENTERPRISE ST
City	ELGIN
State	IL
Zip	60120-3966
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W H WILCOXS ADD LOT 7 & EX NORTH 52 FT LOT 8 BLK 3
Legal Subdivision	W H WILCOXS ADD
Legal Block	3
Legal Lot Number	7,8
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1000
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	578 ENTERPRISE ST, ELGIN, IL 60120-3966
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2025	Deed of Trust, Mortgage · FHA Mortgage THE HUNTINGTON NATIONAL BANK
May 27, 2021	Deed, Transfer · FHA Mortgage THE HUNTINGTON NATIONAL BANK
Mar 14, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2021 · Amount on Record
Deed Sale	May 27, 2021 · Amount on Record
Prior Sale	Apr 19, 2005 · Amount on Record
Deed Document Number	202141062
Prior Transfer Date	Feb 16, 2018
Prior Transfer Doc	0000011782
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	578 ENTERPRISE ST, ELGIN, IL 60120-3966
Transaction Type	Mortgage
Record Updated	Oct 2, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036808
Date	Sep 23, 2025
Instrument	2025K036808

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	309 Months
Due	Jun 1, 2051

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	May 27, 2021
Property Address	578 ENTERPRISE ST, ELGIN, IL 60120-3966
Document Number	0000041062
Instrument Date	May 18, 2021
Instrument	2021K041062
Transaction Type	Transfer
Record Updated	Jun 11, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$275.00
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	578 ENTERPRISE ST, ELGIN, IL 60120-3966

Mortgage

Document Number	0000041063
Date	May 27, 2021
Instrument	2021K041063

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Interest

Rate	2.75%

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Mar 14, 2018
Property Address	578 ENTERPRISE ST, ELGIN, IL 60120-3966
Document Number	0000011782
Instrument Date	Feb 16, 2018
Instrument	11782
Transaction Type	Transfer
Record Updated	Apr 3, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	795 SPRINGHILL CT ELGIN IL 601204066, ELGIN, IL 60120-4066

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	$6,768.00 (+15.83%) Homeowner's exemption	$96,723 (+8.57%) Land $20,726 Building $75,997	$290,285 (+8.57%) Land $62,203 Building $228,082
2024		$89,088 (+21.39%) Land $19,090 Building $69,998	$267,371 (+21.44%) Land $57,293 Building $210,078
2022	$5,843.00 (+4.6%) Homeowner's exemption	$73,387 (+6.96%) Land $15,725 Building $57,662	$220,161 (+6.96%) Land $47,175 Building $172,986
2021	$5,586.00 Homeowner's exemption	$68,612 Land $14,702 Building $53,910	$205,836 Land $44,106 Building $161,730

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 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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