615 Chester Ave, Elgin, IL 60120 Property Records

Kane County property record for 615 Chester Ave, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,113 sqft · built 1958
Lot Size	0.147 acres (6,389 sqft)
Owner	Individual Name on Record
Last Sale	$176,000 (May 2021)
Tax Bill	$5,255 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage Mar 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-12-282-004`

Property Details

APN / Parcel Number

Primary APN	`06-12-282-004`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,113 sqft Living Area
Gross Area	2,226 sqft
1st Floor Area	1,113 sqft
Basement Area	1,113 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Construction Type	Frame
Lot Area	6,389 sqft (0.147 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	615 CHESTER AVE
City	ELGIN
State	IL
Zip	60120-3033
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUDLOWS ADDN LOT 8 BLOCK 18
Legal Subdivision	LUDLOWS ADDN
Legal Block	18
Legal Lot Number	8
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3021
Census Tract	850800

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	615 CHESTER AVE, ELGIN, IL 60120-3033
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 7, 2021	Warranty Deed, Transfer · Conventional Mortgage NEIGHBORS BANK
Mar 3, 2020	Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA
May 23, 2017	Loan Modification, Mortgage BCAT 2015-14ATT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 7, 2021 · Amount on Record
Deed Sale	May 7, 2021 · Amount on Record
Prior Sale	Mar 3, 2020 · Amount on Record
Deed Document Number	202135834
Prior Transfer Date	May 27, 1997
Prior Transfer Doc	0000044213
Record Updated	Oct 29, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 7, 2021
Property Address	615 CHESTER AVE, ELGIN, IL 60120-3033
Document Number	0000035834
Map Reference	MB 11 PG 9
Instrument Date	Apr 29, 2021
Instrument	2021K035834
Transaction Type	Transfer
Record Updated	May 18, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$176.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	615 CHESTER AVE, 615, ELGIN, IL 60120-3033

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 CHESTER AVE, ELGIN, IL 60120-3033

Mortgage

Document Number	0000035835
Date	May 7, 2021
Instrument	2021K035835

Lender

Name	NEIGHBORS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.12%

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Mar 3, 2020
Property Address	615 CHESTER AVE, ELGIN, IL 60120-3033
Document Number	0000011175
Map Reference	MB 11 PG 9
Instrument Date	Feb 26, 2020
Instrument	2020K011175
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$110.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	615 CHESTER AVE, 615, ELGIN, IL 60120-3033

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 CHESTER AVE, ELGIN, IL 60120-3033

Mortgage

Document Number	0000011176
Date	Mar 3, 2020
Instrument	2020K011176

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2050

Interest

Rate	3.62%

May 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KANE IL
Property Address	615 CHESTER AVE, ELGIN, IL 60120-3033
Document Number	0000031220
Instrument Date	May 23, 2017
Transaction Type	Mortgage
Record Updated	Jul 12, 2017
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 CHESTER AVE ELGIN IL 601203033, ELGIN, IL 60120-3033

Mortgage

Document Number	0000031220
Date	Jun 19, 2017
Instrument	31220

Lender

Name	BCAT 2015-14ATT
Address	HOUSTON, TX 77042

Agreement

Amount	Amount Recorded
Term	444 Months
Due	Jun 18, 2054

Interest

Rate Type	Fixed Rate
Rate	5%

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	$5,255.00 (+15.83%) Homeowner's exemption	$76,882 (+8.57%) Land $15,617 Building $61,265	$230,738 (+8.57%) Land $46,870 Building $183,869
2024		$70,813 (+21.39%) Land $14,384 Building $56,429	$212,524 (+21.44%) Land $43,169 Building $169,355
2022	$4,537.00 (+4.78%) Homeowner's exemption	$58,333 (+6.96%) Land $11,849 Building $46,484	$174,999 (+6.96%) Land $35,547 Building $139,452
2021	$4,330.00 Homeowner's exemption	$54,537 Land $11,078 Building $43,459	$163,611 Land $33,234 Building $130,377

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 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.

Nearby Properties on Chester Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures