636 Center St, Elgin, IL 60120 Property Records

Kane County property record for 636 Center St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,676 sqft · built 1906
Lot Size	0.253 acres (11,000 sqft)
Owner	Individual Name on File
Tax Bill	$6,762 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-12-304-014`

Property Details

APN / Parcel Number

Primary APN	`06-12-304-014`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,676 sqft Living Area
Gross Area	2,514 sqft
Basement Area	838 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1906
Effective Year Built	Effective 1906
Construction Type	Frame
Lot Area	11,000 sqft (0.253 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	636 CENTER ST
City	ELGIN
State	IL
Zip	60120-3717
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WETMORES SUB EAST 150 FT EXCEPT SOUTH 10 FT & LOVELLS ADDN SOUTH 81.4 FT OF WEST 16 FT EXCEPT SOUTH 10 FT LOT 4 BLOCK 3
Legal Subdivision	WETMORES SUB
Legal Block	2
Legal Lot Number	4
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2023
Census Tract	850800

Owner

636 Center St is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	636 CENTER ST, ELGIN, IL 60120-3717
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
Apr 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage MUTUAL/OMAHA MORTGAGE LLC
Apr 9, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jul 30, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	Apr 28, 2026
Property Address	636 CENTER ST, ELGIN, IL 60120-3717
Document Number	0000017065
Instrument Date	Apr 20, 2026
Instrument	202617065
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	636 CENTER ST, ELGIN, IL 60120-3717

Mortgage

Document Number	0000017065,
Date	Apr 28, 2026
Instrument	202617065

Lender

Name	MUTUAL/OMAHA MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.99%
Initial Type	Fixed Rate
Max Rate	-1%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	636 CENTER ST, ELGIN, IL 60120-3717
Transaction Type	Mortgage
Record Updated	Apr 20, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028036
Date	Apr 9, 2021
Instrument	2021K028036

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	353 Months
Due	Sep 1, 2050

Interest

Rate	2.25%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	636 CENTER ST, ELGIN, IL 60120-3717
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041777
Date	Jul 30, 2020
Instrument	2020K041777

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 636 Center St was $6,762 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	$6,762.00 Homeowner's exemption	$96,646 (+8.57%) Land $21,222 Building $75,424	$290,054 (+8.57%) Land $63,691 Building $226,363
2024		$89,017 Land $19,547 Building $69,470	$267,158 Land $58,664 Building $208,493
2022	$5,838.00 (+4.6%) Homeowner's exemption	$73,329 (+6.96%) Land $16,102 Building $57,227	$219,987 (+6.96%) Land $48,306 Building $171,681
2021	$5,581.00 Homeowner's exemption	$68,557 Land $15,054 Building $53,503	$205,671 Land $45,162 Building $160,509

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 636 Center St 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 636 Center St 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 504 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Fox Valley Internet, T-Mobile, Verizon.

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