632 Cooper Ave, Elgin, IL 60120 Property Records

Kane County property record for 632 Cooper Ave, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,080 sqft · built 1954
Lot Size	0.145 acres (6,336 sqft)
Owner	Individual Name on Record
Last Sale	$173,000 (Jun 2018)
Tax Bill	$5,472 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-12-237-019`

Property Details

APN / Parcel Number

Primary APN	`06-12-237-019`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,080 sqft Living Area
Gross Area	2,160 sqft
1st Floor Area	1,080 sqft
Basement Area	1,080 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Construction Type	Frame
Lot Area	6,336 sqft (0.145 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	632 COOPER AVE
City	ELGIN
State	IL
Zip	60120-3015
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUDLOWS ADDN LOT 19 BLOCK 10
Legal Subdivision	LUDLOWS ADDN
Legal Block	10
Legal Lot Number	19
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3010
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	632 COOPER AVE, ELGIN, IL 60120-3015
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2020	Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC
Jan 22, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF VETERANS AFFAIRS
Jun 25, 2018	Warranty Deed, Transfer OCMBC INC
Mar 6, 2018	Grant Deed, Transfer · Line of Credit REPUBLIC BK/CHICAGO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 25, 2018 · Amount on Record
Deed Sale	Jun 25, 2018 · Amount on Record
Prior Sale	Mar 6, 2018 · Amount on Record
Deed Document Number	201830200
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	632 COOPER AVE, ELGIN, IL 60120-3015
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	632 COOPER AVE, ELGIN, IL 60120-3015

Mortgage

Document Number	0000059862
Date	Oct 9, 2020
Instrument	2020K059862

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	CHICAGO, IL 60606

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	333 Months
Due	Jul 1, 2048

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	632 COOPER AVE, ELGIN, IL 60120-3015
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005822
Date	Jan 22, 2021
Instrument	2021K005822

Lender

Name	DEPARTMENT OF VETERANS AFFAIRS
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 25, 2018
Property Address	632 COOPER AVE, ELGIN, IL 60120-3015
Document Number	0000030200
Instrument Date	May 30, 2018
Instrument	30200
Transaction Type	Transfer
Record Updated	Jul 10, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$259.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	632 COOPER AVE ELGIN IL 601203015, ELGIN, IL 60120-3015

Mortgage

Document Number	30201
Date	Jun 25, 2018
Instrument	30201

Lender

Name	OCMBC INC
Address	IRVINE, CA 92612

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 24, 2048

Interest

Rate Type	Fixed Rate

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KANE IL
Recording Date	Mar 6, 2018
Property Address	632 COOPER AVE, ELGIN, IL 60120-3015
Document Number	0000010327
Instrument Date	Mar 2, 2018
Instrument	10327
Transaction Type	Transfer
Record Updated	Mar 26, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$105.75
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	36W995 RED GATE RD ST CHARLES IL 601756223, ST CHARLES, IL 60175-6223

Mortgage

Document Number	10328
Date	Mar 6, 2018
Instrument	10328

Lender

Name	REPUBLIC BK/CHICAGO
Type	Bank
Address	OAK BROOK, IL 60523

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Mar 5, 2019

Interest

Rate Type	Adjustable Rate
Rate	4.5%

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	$5,472.00 (+15.81%) Homeowner's exemption	$79,728 (+8.57%) Land $15,154 Building $64,574	$239,280 (+8.57%) Land $45,480 Building $193,800
2024		$73,435 (+21.39%) Land $13,958 Building $59,477	$220,393 (+21.44%) Land $41,891 Building $178,502
2022	$4,725.00 (+4.77%) Homeowner's exemption	$60,493 (+6.96%) Land $11,498 Building $48,995	$181,479 (+6.96%) Land $34,494 Building $146,985
2021	$4,510.00 Homeowner's exemption	$56,557 Land $10,750 Building $45,807	$169,671 Land $32,250 Building $137,421

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (2007–2008)
Most Recent Claim	Sep 2008 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2008 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 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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