623 Margaret Pl, Elgin, IL 60120 Property Records

Kane County property record for 623 Margaret Pl, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,565 sqft · built 1910
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on Record
Last Sale	$130,000 (Feb 2013)
Tax Bill	$5,067 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-13-477-007`

Property Details

APN / Parcel Number

Primary APN	`06-13-477-007`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,565 sqft Living Area
Gross Area	2,373 sqft
Basement Area	808 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Construction Type	Frame
Lot Area	4,792 sqft (0.11 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	623 MARGARET PL
City	ELGIN
State	IL
Zip	60120-6712
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EDWARD C LOVELLS ADDN LOT 11
Legal Subdivision	EDWARD C LOVELLS ADDN
Legal Block	3
Legal Lot Number	11
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3004
Census Tract	851400

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	623 MARGARET PL, ELGIN, IL 60120-6712
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage HOMESIDE FINANCIAL LLC
Dec 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOMESIDE FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 4, 2013 · Amount on Record
Deed Sale	Feb 4, 2013 · Amount on Record
Prior Sale	Sep 24, 2012 · Amount on Record
Deed Document Number	20139355
Prior Transfer Date	Jul 16, 2008
Prior Transfer Doc	0000062076
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	623 MARGARET PL, ELGIN, IL 60120-6712
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000047556
Date	Oct 8, 2019
Instrument	2019K047556

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4.37%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	623 MARGARET PL, ELGIN, IL 60120-6712
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000081115
Date	Dec 28, 2020
Instrument	2020K081115

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.99%

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	$5,067.00 (+15.82%) Homeowner's exemption	$74,420 (+8.57%) Land $14,701 Building $59,719	$223,349 (+8.57%) Land $44,121 Building $179,229
2024		$68,546 (+21.4%) Land $13,541 Building $55,005	$205,720 (+21.44%) Land $40,639 Building $165,081
2022	$4,375.00 (+4.82%) Homeowner's exemption	$56,465 (+6.96%) Land $11,154 Building $45,311	$169,395 (+6.96%) Land $33,462 Building $135,933
2021	$4,174.00 Homeowner's exemption	$52,791 Land $10,428 Building $42,363	$158,373 Land $31,284 Building $127,089

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	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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