631 Center St, Elgin, IL 60120 Property Records

Kane County property record for 631 Center St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,500 sqft · built 1908
Lot Size	0.152 acres (6,600 sqft)
Owner	Individual Name on Record
Last Sale	$243,000 (Nov 2022)
Tax Bill	$6,237 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-12-305-007`

Property Details

APN / Parcel Number

Primary APN	`06-12-305-007`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,500 sqft Living Area
Gross Area	2,250 sqft
Basement Area	750 sqft

Exterior

Year Built	Built 1908
Effective Year Built	Effective 1908
Construction Type	Frame
Lot Area	6,600 sqft (0.152 acres)
Lot Dimensions	132 ft deep x 50 ft wide
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	631 CENTER ST
City	ELGIN
State	IL
Zip	60120-3716
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHAS RIPPBERGERS RESUB LOT 5
Legal Subdivision	CHAS RIPPBERGERS RESUB
Legal Block	2
Legal Lot Number	5
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2022
Census Tract	850800

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	Individual Name on Record
Mailing Address	631 CENTER ST, ELGIN, IL 60120-3716
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 2, 2022 · Amount on Record
Deed Sale	Nov 2, 2022 · Amount on Record
Prior Sale	Mar 23, 2015 · Amount on Record
Deed Document Number	202253230
Prior Transfer Date	May 31, 2012
Prior Transfer Doc	0000058486
Record Updated	Oct 29, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Nov 2, 2022
Property Address	631 CENTER ST, ELGIN, IL 60120-3716
Document Number	0000053230
Instrument Date	Oct 28, 2022
Instrument	2022K053230
Transaction Type	Transfer
Record Updated	Nov 8, 2022
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$243.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	631 CENTER ST, ELGIN, IL 60120-3716

Mortgage

Document Number	0000053231
Date	Nov 2, 2022
Instrument	2022K053231

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2052

Interest

Rate Type	Fixed Rate
Rate	6.37%

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	$6,237.00 (+15.82%) Homeowner's exemption	$89,759 (+8.57%) Land $16,402 Building $73,357	$269,385 (+8.57%) Land $49,226 Building $220,159
2024		$82,674 (+21.39%) Land $15,107 Building $67,567	$248,121 (+21.44%) Land $45,339 Building $202,782
2022	$5,385.00 (+4.66%) Homeowner's exemption	$68,105 (+6.96%) Land $12,445 Building $55,660	$204,315 (+6.96%) Land $37,335 Building $166,980
2021	$5,145.00 Homeowner's exemption	$63,673 Land $11,635 Building $52,038	$191,019 Land $34,905 Building $156,114

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	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 592 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	100 / 20

May also be available: Verizon.

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