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628 S Liberty St, Elgin, IL 60120 Property Records

Kane County property record for 628 S Liberty St, Elgin, IL 60120

Property Summary

Property TypeSingle Family Home
Details2 ba · 1,502 sqft · built 1889
Lot Size0.159 acres (6,930 sqft)
Owner2 Individual Names on Record
Last Sale$310,000 (Nov 2025)
Tax Bill$3,941 (2025)
Deeds & MortgagesNov 2025 Sale & Mortgage
Apr 2024 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN06-24-257-019

Property Details

APN / Parcel Number

Primary APN06-24-257-019

Interior

Full Baths2 Baths
Total Rooms7 Rooms
Stories2 Stories
Building Area1,502 sqft Living Area
Gross Area2,365 sqft
Basement Area863 sqft

Exterior

Year BuiltBuilt 1889
Effective Year BuiltEffective 1889
Construction TypeFrame
Lot Area6,930 sqft (0.159 acres)
Garage TypeDetached
Parking Spaces1 Parking Space

Location & Zoning

Street Address628 S LIBERTY ST
CityELGIN
StateIL
Zip60120-7943
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionOAKLAWN ADDN LOT 6
Legal SubdivisionOAKLAWN ADDN
Legal Block5
Legal Lot Number6
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group5
Census Block5011
Census Tract851400

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 Record2 Individual Names on Record
Mailing Address622 S LIBERTY ST, ELGIN, IL 60120-7943
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Nov 13, 2025Warranty Deed, Transfer · Conventional Mortgage
GUILD MORTGAGE CO
Apr 1, 2024Special Warranty Deed, Transfer · Commercial Mortgage
ABL RPC RESIDENTIAL CREDIT ACQUISIT
Feb 13, 2024Public Action, Foreclosure
ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 13, 2025 · Amount on Record
Deed SaleNov 13, 2025 · Amount on Record
Prior SaleApr 1, 2024 · Amount on Record
Deed Document Number202544976
Prior Transfer DateFeb 9, 2024
Prior Transfer Doc0000004686
Record UpdatedOct 29, 2026

November 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateNov 13, 2025
Property Address628 S LIBERTY ST, ELGIN, IL 60120-7943
Document Number0000044976
Instrument DateOct 22, 2025
Instrument2025K044976
Transaction TypeTransfer
Record UpdatedNov 26, 2025
Title CompanyUNKNOWN, LTS

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$310.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address628 S LIBERTY ST, ELGIN, IL 60120-7943

Mortgage

Document Number0000044977
DateNov 13, 2025
Instrument2025K044977
Lender
NameGUILD MORTGAGE CO
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueNov 1, 2055
Interest
Rate6.75%

April 2024: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionKANE IL
Recording DateApr 1, 2024
Property Address628 S LIBERTY ST, ELGIN, IL 60120-7943
Document Number0000010213
Instrument DateMar 8, 2024
Instrument2024K010213
Transaction TypeTransfer
Record UpdatedApr 9, 2024
Title CompanyACUITY TITLE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$129.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address820 CHURCH ST # 200, 200, EVANSTON, IL 60201-5603

Transferred To (Grantee/Buyer)

NameVerified Name
Address660 COOPER AVE, ELGIN, IL 60120-3058

Mortgage

Document Number0000010214
DateApr 1, 2024
Instrument2024K010214
Lender
NameABL RPC RESIDENTIAL CREDIT ACQUISIT
TypeNon-Lending Institution
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

February 2024: Public Action, Foreclosure

Document TypePublic Action
JurisdictionKANE IL
Recording DateFeb 13, 2024
Property Address628 S LIBERTY ST, ELGIN, IL 60120-7943
Document Number0000004686
Instrument DateFeb 9, 2024
Instrument2024K004686
Transaction TypeForeclosure
Record UpdatedFeb 21, 2024
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address820 CHURCH ST # 200, 200, EVANSTON, IL 60201-5603

Tax Assessment & Valuation

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionElgin Township
MunicipalityElgin City
Unified School DistrictSchool District U-46 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,941.00 (+55.96%)$51,665 (+8.57%) Land $15,320 Building $36,345$155,057 (+8.57%) Land $45,978 Building $109,079
2024$2,527.00 (+1.85%) Homeowner's exemption$47,587 (+21.4%) Land $14,111 Building $33,476$142,818 (+21.44%) Land $42,350 Building $100,468
2022$2,481.00 (+8.44%) Homeowner's exemption$39,200 (+6.96%) Land $11,624 Building $27,576$117,600 (+6.96%) Land $34,872 Building $82,728
2021$2,288.00 Homeowner's exemption$36,650 Land $10,868 Building $25,782$109,950 Land $32,604 Building $77,346

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 8, 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskNot 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 SystemELGIN
serves 114,797 people · EPA ID IL0894380
Water SourceSurface water
Last State InspectionAug 2025
Lead19 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting8
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 585 locations within half a mile, as of December 31, 2025

ProviderMax 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
AT&T
DSL · Fiber, Fixed Wireless in parts of the area		100 / 20

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