613 Cooper Ave, Elgin, IL 60120 Property Records

Kane County property record for 613 Cooper Ave, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,568 sqft · built 1948
Lot Size	0.161 acres (7,008 sqft)
Owner	2 Individual Names on Record
Last Sale	$210,000 (Aug 2026)
Tax Bill	$7,458 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Feb 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-12-276-003`

Property Details

APN / Parcel Number

Primary APN	`06-12-276-003`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,568 sqft Living Area
Gross Area	2,744 sqft
1st Floor Area	1,568 sqft
Basement Area	1,176 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	7,008 sqft (0.161 acres)
Garage Type	Detached
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	613 COOPER AVE
City	ELGIN
State	IL
Zip	60120-3014
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUDLOWS ADDN LOT 9 BLOCK 13
Legal Subdivision	LUDLOWS ADDN
Legal Block	13
Legal Lot Number	9
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3011
Census Tract	850800

Owner

Source: Kane County records, as of August 20, 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	613 N GROVE AVE, ELGIN, IL 60120-2803
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2026	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE COMPANY
Feb 13, 2018	Deed of Trust, Mortgage · Commercial Mortgage AMERICAN EAGLE BANK
Nov 6, 2017	Quit Claim Deed, Transfer Quitclaim
Nov 6, 2017	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2026 · Amount on Record
Deed Sale	Aug 12, 2026 · Amount on Record
Prior Sale	Nov 6, 2017 · Amount on Record
Deed Document Number	202634539
Record Updated	Sep 20, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 12, 2026
Property Address	613 COOPER AVE, ELGIN, IL 60120-3014
Document Number	0000034539
Instrument Date	Aug 5, 2026
Instrument	202634539
Transaction Type	Transfer
Record Updated	Aug 20, 2026
Title Company	NATIONAL TITLE NE, ADVOCUS NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$31,815.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	613 N GROVE AVE, ELGIN, IL 60120-2803

Mortgage

Document Number	0000034540,
Date	Aug 12, 2026
Instrument	202634540

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.43%
Initial Type	Fixed Rate
Max Rate	-1%

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	613 COOPER AVE, ELGIN, IL 60120-3014
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006959
Date	Feb 13, 2018
Instrument	2018K006959

Lender

Name	AMERICAN EAGLE BANK
Type	Bank
Address	SOUTH ELGIN, IL 60177

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Nov 6, 2017
Property Address	613 COOPER AVE, ELGIN, IL 60120-3014
Document Number	0000058304
Instrument Date	Nov 6, 2017
Instrument	58304
Transaction Type	Transfer
Record Updated	Nov 29, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	781 RESERVE CT SOUTH ELGIN IL 601773306, SOUTH ELGIN, IL 60177-3306

November 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	KANE IL
Recording Date	Nov 6, 2017
Property Address	613 COOPER AVE, ELGIN, IL 60120-3014
Document Number	0000058303
Instrument Date	Sep 18, 2017
Instrument	58303
Transaction Type	Foreclosure
Record Updated	Nov 29, 2017

Transaction

Amount	Amount Recorded
Tax	$120.00
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	781 RESERVE CT SOUTH ELGIN IL 601773306, SOUTH ELGIN, IL 60177-3306

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	$7,458.00 (+15.95%)	$97,770 (+8.57%) Land $16,234 Building $81,536	$293,427 (+8.57%) Land $48,721 Building $244,706
2024		$90,053 (+21.39%) Land $14,953 Building $75,100	$270,267 (+21.44%) Land $44,877 Building $225,390
2022	$6,432.00 (+3.96%)	$74,183 (+6.96%) Land $12,318 Building $61,865	$222,549 (+6.96%) Land $36,954 Building $185,595
2021	$6,187.00	$69,355 Land $11,516 Building $57,839	$208,065 Land $34,548 Building $173,517

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 · 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

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 514 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 · Fiber in parts of the area	100 / 20

May also be available: T-Mobile, Verizon.

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