626 Jefferson Ave, Elgin, IL 60120 Property Records

Kane County property record for 626 Jefferson Ave, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,008 sqft · built 1920
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$153,000 (May 2022)
Tax Bill	$5,594 (2025)
Deeds & Mortgages	May 2022 Sale Aug 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-12-430-015`

Property Details

APN / Parcel Number

Primary APN	`06-12-430-015`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
Gross Area	2,016 sqft
1st Floor Area	1,008 sqft
Basement Area	1,008 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Brick
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	626 JEFFERSON AVE
City	ELGIN
State	IL
Zip	60120-3960
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FAIR GROUND ADDN LOT 5 BLOCK 2
Legal Subdivision	FAIR GROUND ADDN
Legal Block	2
Legal Lot Number	5
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4007
Census Tract	850800

Owner

626 Jefferson Ave is owned and occupied by an individual who bought it in May 2022.

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

Owner of Record	Individual Name on File
Mailing Address	626 JEFFERSON AVE, ELGIN, IL 60120-3960
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 18, 2022	Warranty Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO
Aug 17, 2017	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONS BANK
Aug 17, 2020	Loan Modification, Mortgage FIRST NATIONS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 18, 2022 · Amount on File
Deed Sale	May 18, 2022 · Amount on File
Prior Sale	Aug 17, 2009 · Amount on File
Deed Document Number	202226608
Prior Transfer Date	Aug 22, 2008
Prior Transfer Doc	0000076106
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 18, 2022
Property Address	626 JEFFERSON AVE, ELGIN, IL 60120-3960
Document Number	0000026608
Instrument Date	May 13, 2022
Instrument	2022K026608
Transaction Type	Transfer
Record Updated	May 25, 2022
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Tax	$153.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	626 JEFFERSON AVE, ELGIN, IL 60120-3960

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	626 JEFFERSON AVE, ELGIN, IL 60120-3960
Transaction Type	Mortgage
Record Updated	Jul 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000043086
Date	Aug 17, 2017
Instrument	2017K043086

Lender

Name	FIRST NATIONS BANK
Type	Bank
Address	CHICAGO, IL 60631

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	36 Months
Due	Aug 17, 2020

Interest

Rate	5%

August 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KANE IL
Property Address	626 JEFFERSON AVE, ELGIN, IL 60120-3960
Document Number	0000050020
Instrument Date	Aug 17, 2020
Transaction Type	Mortgage
Record Updated	Sep 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	626 JEFFERSON AVE ELGIN IL 601203960, ELGIN, IL 60120-3960

Mortgage

Document Number	0000050020
Date	Sep 2, 2020
Instrument	50020

Lender

Name	FIRST NATIONS BK
Type	Bank
Address	CHICAGO, IL 60631-1509

Agreement

Term	36 Months
Due	Sep 1, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 626 Jefferson Ave was $5,594 with a homeowner's exemption.

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	$5,594.00 Homeowner's exemption	$81,332 (+8.57%) Land $21,022 Building $60,310	$244,094 (+8.57%) Land $63,091 Building $181,002
2024		$74,912 Land $19,363 Building $55,549	$224,826 Land $58,112 Building $166,714
2022	$4,830.00 (+4.73%) Homeowner's exemption	$61,710 (+6.96%) Land $15,951 Building $45,759	$185,130 (+6.96%) Land $47,853 Building $137,277
2021	$4,612.00 Homeowner's exemption	$57,694 Land $14,913 Building $42,781	$173,082 Land $44,739 Building $128,343

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 626 Jefferson Ave 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

The area around 626 Jefferson 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 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.

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