616 Margaret Pl, Elgin, IL 60120 Property Records

Kane County property record for 616 Margaret Pl, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,349 sqft · built 1900
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on File
Last Sale	$230,000 (May 2024)
Tax Bill	$5,090 (2025)
Deeds & Mortgages	May 2024 Sale & Mortgage May 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`06-13-476-020`

Property Details

APN / Parcel Number

Primary APN	`06-13-476-020`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	5 Stories
Building Area	1,349 sqft Living Area
Gross Area	2,373 sqft
Basement Area	1,024 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	616 MARGARET PL
City	ELGIN
State	IL
Zip	60120-6713
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	JAMES H & FULTON GIFFORDS ADDN NORTH 138 FT EAST 62 FT WEST 248 FT LOT 9
Legal Subdivision	JAMES H&FULTON GIFFORDS ADDN
Legal Block	3
Legal Lot Number	9
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3001
Census Tract	851400

Owner

616 Margaret Pl is owned and occupied by an individual who bought it in May 2024.

Source: Kane County records, as of August 13, 2026

Owner of Record	Individual Name on File
Mailing Address	616 MARGARET PL, ELGIN, IL 60120-6713
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
May 2, 2024	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU
May 18, 2022	Warranty Deed, Transfer NOT AVAILABLE, CT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 2, 2024 · Amount on File
Deed Sale	May 2, 2024 · Amount on File
Prior Sale	May 18, 2022 · Amount on File
Deed Document Number	202414644
Record Updated	Sep 20, 2026

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 2, 2024
Property Address	616 MARGARET PL, ELGIN, IL 60120-6713
Document Number	0000014644
Instrument Date	Apr 30, 2024
Instrument	2024K014644
Transaction Type	Transfer
Record Updated	May 9, 2024
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$230.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	616 MARGARET PL, ELGIN, IL 60120-6713

Mortgage

Document Number	0000014645
Date	May 2, 2024
Instrument	2024K014645

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.75%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2031
Change Frequency	Annually
Min Rate At Change	5.75%
Max Rate At Change	9.75%
Index	1-Year CMT
Max Rate	13.7%

Mortgage

Document Number	0000014646
Date	May 2, 2024
Instrument	2024K014646

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2039

Interest

Rate Type	Fixed Rate
Rate	8.25%

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 18, 2022
Property Address	616 MARGARET PL, ELGIN, IL 60120-6713
Document Number	0000026688
Instrument Date	May 12, 2022
Instrument	2022K026688
Transaction Type	Transfer
Record Updated	May 25, 2022
Title Company	NOT AVAILABLE, CT

Transaction

Amount	Amount on Record
Tax	$150.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	384 DIVISION ST, 384, ELGIN, IL 60120-5641

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	74 F CHIRGG, ELGIN, IL 60124

Tax Assessment & Valuation

The 2025 property tax bill for 616 Margaret Pl was $5,090.

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	$5,090.00	$74,731 (+8.57%) Land $15,280 Building $59,451	$224,283 (+8.57%) Land $45,858 Building $178,424
2024		$68,832 Land $14,074 Building $54,758	$206,579 Land $42,239 Building $164,340
2022	$4,916.00 (+3.95%)	$56,702 (+6.96%) Land $11,594 Building $45,108	$170,106 (+6.96%) Land $34,782 Building $135,324
2021	$4,729.00	$53,013 Land $10,840 Building $42,173	$159,039 Land $32,520 Building $126,519

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

FEMA maps place 616 Margaret Pl 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

Wildfire risk around 616 Margaret Pl is low, with less than a 0.01% annual chance of 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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