628 Margaret Pl, Elgin, IL 60120 Property Records

Kane County property record for 628 Margaret Pl, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,096 sqft · built 1957
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$180,000 (Jan 2024)
Tax Bill	$4,550 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Mar 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`06-13-476-022`

Property Details

APN / Parcel Number

Primary APN	`06-13-476-022`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,096 sqft Living Area
Gross Area	2,192 sqft
1st Floor Area	1,096 sqft
Basement Area	1,096 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Construction Type	Frame
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	628 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 EAST 66 FT OF WEST 380 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

628 Margaret Pl is owned by an individual who bought it in January 2024.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	1959 N HICKS RD, ELGIN, IL 60120
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2024	Deed, Transfer · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Mar 13, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 22, 2024 · Amount on File
Deed Sale	Jan 22, 2024 · Amount on File
Prior Sale	Feb 1, 2007 · Amount on File
Deed Document Number	20242204
Prior Transfer Date	Mar 5, 2019
Prior Transfer Doc	0000009755
Record Updated	Oct 29, 2026

January 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	Jan 22, 2024
Property Address	628 MARGARET PL, ELGIN, IL 60120-6713
Document Number	0000002204
Instrument Date	Jan 19, 2024
Instrument	2024K002204
Transaction Type	Transfer
Record Updated	Jan 30, 2024
Title Company	JP TITLE GUARANTY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$180.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	628 MARGARET PL, ELGIN, IL 60120-6713

Mortgage

Document Number	0000002205
Date	Jan 22, 2024
Instrument	2024K002205

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

March 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Mar 13, 2019
Property Address	628 MARGARET PL, ELGIN, IL 60120-6713
Document Number	0000009755
Instrument Date	Mar 5, 2019
Instrument	9755
Transaction Type	Transfer
Record Updated	Mar 22, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	628 MARGARET PL ELGIN IL 601206713, ELGIN, IL 60120-6713

Tax Assessment & Valuation

The 2025 property tax bill for 628 Margaret Pl was $4,550.

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	$4,550.00	$67,648 (+8.57%) Land $16,099 Building $51,549	$203,025 (+8.57%) Land $48,316 Building $154,709
2024		$62,308 Land $14,828 Building $47,480	$186,999 Land $44,502 Building $142,497
2022	$3,496.00 (+5.97%) Homeowner's exemption	$51,328 (+6.96%) Land $12,215 Building $39,113	$153,984 (+6.96%) Land $36,645 Building $117,339
2021	$3,299.00 Homeowner's exemption	$47,988 Land $11,420 Building $36,568	$143,964 Land $34,260 Building $109,704

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 628 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 628 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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