623 Congdon Ave, Elgin, IL 60120 Property Records

Kane County property record for 623 Congdon Ave, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 832 sqft · built 1918
Lot Size	0.22 acres (9,591 sqft)
Owner	Individual Name on File
Last Sale	$205,000 (Dec 2021)
Tax Bill	$4,274 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Mar 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-12-234-005`

Property Details

APN / Parcel Number

Primary APN	`06-12-234-005`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	832 sqft Living Area
Gross Area	1,664 sqft
1st Floor Area	832 sqft
Basement Area	832 sqft

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
Construction Type	Frame
Lot Area	9,591 sqft (0.22 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	623 CONGDON AVE
City	ELGIN
State	IL
Zip	60120-2427
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUDLOWS ADD WLY 24 FT LOT 5 & ALL OF LOT 6 BLK 7
Legal Subdivision	LUDLOWS ADD
Legal Block	7
Legal Lot Number	5,6
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3001
Census Tract	850800

Owner

623 Congdon Ave is owned and occupied by an individual who bought it in December 2021.

Source: Kane County records, as of July 23, 2026

Owner of Record	Individual Name on File
Mailing Address	623 CONGDON AVE, ELGIN, IL 60120-2427
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
Mar 23, 2026	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Mar 28, 2024	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Sep 19, 2023	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Dec 6, 2021	Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 6, 2021 · Amount on File
Deed Sale	Dec 6, 2021 · Amount on File
Prior Sale	Jul 29, 2014 · Amount on File
Deed Document Number	202190726
Transfer Doc	0000085549
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	623 CONGDON AVE, ELGIN, IL 60120-2427
Transaction Type	Mortgage
Record Updated	Apr 1, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	623 CONGDON AVE, ELGIN, IL 60120-2427

Mortgage

Document Number	0000011366
Date	Mar 23, 2026
Instrument	2026K011366

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	GREENVILLE, SC 29601

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	309 Months
Due	Dec 1, 2051

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	623 CONGDON AVE, ELGIN, IL 60120-2427
Transaction Type	Mortgage
Record Updated	Apr 9, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	623 CONGDON AVE, ELGIN, IL 60120-2427

Mortgage

Document Number	0000010148
Date	Mar 28, 2024
Instrument	2024K010148

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	TEMPE, AZ 85284

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	333 Months
Due	Dec 1, 2051

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	623 CONGDON AVE, ELGIN, IL 60120-2427
Transaction Type	Mortgage
Record Updated	Sep 27, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	623 CONGDON AVE, ELGIN, IL 60120-2427

Mortgage

Document Number	0000032506
Date	Sep 19, 2023
Instrument	2023K032506

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	TEMPE, AZ 85284

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	339 Months
Due	Dec 1, 2051

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 6, 2021
Property Address	623 CONGDON AVE, ELGIN, IL 60120-2427
Document Number	0000090726
Instrument Date	Nov 10, 2021
Instrument	2021K090726
Transaction Type	Transfer
Record Updated	Dec 15, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$205.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	623 CONGDON AVE, ELGIN, IL 60120-2427

Mortgage

Document Number	0000090727
Date	Dec 6, 2021
Instrument	2021K090727

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 623 Congdon Ave was $4,274 with a homeowner's exemption, up 4.8% from the year before.

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	$4,274.00 (+4.78%) Homeowner's exemption	$64,448 (+8.57%) Land $20,878 Building $43,570	$193,421 (+8.57%) Land $62,659 Building $130,762
2024	$4,079.00	$59,361 Land $19,230 Building $40,131	$178,154 Land $57,713 Building $120,441
2022	$3,692.00 (+5.01%) Homeowner's exemption	$48,899 (+7.67%) Land $15,841 Building $33,058	$146,697 (+7.67%) Land $47,523 Building $99,174
2021	$3,516.00 Homeowner's exemption	$45,417 Land $14,810 Building $30,607	$136,251 Land $44,430 Building $91,821

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 623 Congdon Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2007.

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

The area around 623 Congdon Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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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