620 W Chicago St, Elgin, IL 60123 Property Records

Kane County property record for 620 W Chicago St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,282 sqft · built 1881
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$155,000 (Aug 2018)
Tax Bill	$5,267 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-14-329-023`

Property Details

APN / Parcel Number

Primary APN	`06-14-329-023`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,282 sqft Living Area
Gross Area	1,873 sqft
Basement Area	591 sqft

Exterior

Year Built	Built 1881
Effective Year Built	Effective 1881
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	620 W CHICAGO ST
City	ELGIN
State	IL
Zip	60123-6234
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BOSWORTHS ADDN LOT 10 BLOCK 1
Legal Subdivision	BOSWORTHS ADDN
Legal Block	1
Legal Lot Number	10
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2003
Census Tract	851101

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	620 W CHICAGO ST, ELGIN, IL 60123-6234
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Aug 15, 2018	Warranty Deed, Transfer · FHA Mortgage EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2018 · Amount on Record
Deed Sale	Aug 15, 2018 · Amount on Record
Prior Sale	Jul 30, 2014 · Amount on Record
Deed Document Number	201839968
Prior Transfer Date	Aug 12, 2014
Prior Transfer Doc	0000041139
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	620 W CHICAGO ST, ELGIN, IL 60123-6234
Transaction Type	Mortgage
Record Updated	Jun 23, 2021
Title Company	CITYWIDE TITLE CORPORATION, CITYWIDE TITLE CORP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012332
Date	Feb 16, 2021
Instrument	2021K012332

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

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

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 15, 2018
Property Address	620 W CHICAGO ST, ELGIN, IL 60123-6234
Document Number	0000039968
Instrument Date	Jul 26, 2018
Instrument	2018K039968
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	$155.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	00000

Mortgage

Document Number	0000039969
Date	Aug 15, 2018
Instrument	2018K039969

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	4.87%

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	$5,267.00 (+15.78%) Homeowner's exemption	$77,051 (+8.57%) Land $18,882 Building $58,169	$231,245 (+8.57%) Land $56,669 Building $174,577
2024		$70,969 (+21.39%) Land $17,392 Building $53,577	$212,992 (+21.44%) Land $52,197 Building $160,795
2022	$4,549.00 (+4.79%) Homeowner's exemption	$58,462 (+6.96%) Land $14,327 Building $44,135	$175,386 (+6.96%) Land $42,981 Building $132,405
2021	$4,341.00 Homeowner's exemption	$54,658 Land $13,395 Building $41,263	$163,974 Land $40,185 Building $123,789

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 637 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, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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