638 Enterprise St, Elgin, IL 60120 Property Records

Kane County property record for 638 Enterprise St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,368 sqft · built 1915
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,083 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Jul 2023 Foreclosure + 4 more
Flood Zone	Zone X (minimal risk)
APN	`06-12-476-015`

Property Details

APN / Parcel Number

Primary APN	`06-12-476-015`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,368 sqft Living Area
Gross Area	2,164 sqft
Basement Area	796 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	638 ENTERPRISE ST
City	ELGIN
State	IL
Zip	60120-3933
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FAIR GROUND ADDN LOT 7 BLOCK 1
Legal Subdivision	FAIR GROUND ADDN
Legal Block	1
Legal Lot Number	7
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4008
Census Tract	850800

Owner

638 Enterprise St is owned and occupied by two individuals who acquired it in February 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	638 ENTERPRISE ST, ELGIN, IL 60120-3933
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Oct 27, 2023	Special Warranty Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jul 7, 2023	Special Warranty Deed, Foreclosure SERVICELINK CRS, SERVICELINK LLC
Feb 21, 2023	Sheriff's Deed, Foreclosure
Sep 11, 2019	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Sep 9, 2019	Loan Modification, Mortgage · FHA Mortgage CALIBER HM LOANS
Jul 3, 2017	Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2023
Deed Sale	Oct 27, 2023
Prior Sale	Jul 3, 2017 · Amount on File
Deed Document Number	202337774
Last Transfer Date	Feb 20, 2025
Transfer Doc	0000006676
Record Updated	Oct 29, 2026

October 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 27, 2023
Property Address	638 ENTERPRISE ST, ELGIN, IL 60120-3933
Document Number	0000037774
Instrument Date	Oct 26, 2023
Instrument	2023K037774
Transaction Type	Transfer
Record Updated	Nov 3, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	223 S CLIFTON AVE, ELGIN, IL 60123-7150

Mortgage

Document Number	0000037775
Date	Oct 27, 2023
Instrument	2023K037775

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

July 2023: Special Warranty Deed, Foreclosure

Document Type	Special Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 7, 2023
Property Address	638 ENTERPRISE ST, ELGIN, IL 60120-3933
Document Number	0000022489
Instrument Date	Mar 21, 2023
Instrument	2023K022489
Transaction Type	Foreclosure
Record Updated	Jul 18, 2023
Title Company	SERVICELINK CRS, SERVICELINK LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	75 BEATTIE PL STE 300, 300, GREENVILLE, SC 29601-2138

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2000 N CLASSEN BLVD STE 3200, 3200, OKLAHOMA CITY, OK 73106-6034

February 2023: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	KANE IL
Recording Date	Feb 21, 2023
Property Address	638 ENTERPRISE ST, ELGIN, IL 60120-3933
Document Number	0000005304
Instrument Date	Jan 24, 2023
Instrument	2023K005304
Transaction Type	Foreclosure
Record Updated	Feb 28, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3701 REGENT BLVD, IRVING, TX 75063-2312
Investor	Possibly a Property Investor

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	638 ENTERPRISE ST, ELGIN, IL 60120-3933
Document Number	0000046811
Instrument Date	Sep 11, 2019
Transaction Type	Mortgage
Record Updated	Oct 15, 2019
Title Company	CORELOGIC-SOLUTIONS EXPRESS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	638 ENTERPRISE ST ELGIN IL 601203933, ELGIN, IL 60120-3933

Mortgage

Document Number	0000046811
Date	Oct 4, 2019
Instrument	46811

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 3, 2049

September 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KANE IL
Property Address	638 ENTERPRISE ST, ELGIN, IL 60120-3933
Document Number	0000045826
Instrument Date	Sep 9, 2019
Transaction Type	Mortgage
Record Updated	Oct 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	638 ENTERPRISE ST ELGIN IL 601203933, ELGIN, IL 60120-3933

Mortgage

Document Number	0000045826
Date	Sep 30, 2019
Instrument	45826

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	OKLAHOMA CITY, OK 73134

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 29, 2049

Interest

Rate	4.37%

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 3, 2017
Property Address	638 ENTERPRISE ST, ELGIN, IL 60120-3933
Document Number	0000034182
Instrument Date	Jun 27, 2017
Instrument	34182
Transaction Type	Transfer
Record Updated	Jul 24, 2017
Title Company	FIRST UNITED TITLE SERVICES IN, FIRST UNITED TITLE SVCS IN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	813 S CHESTNUT AVE ARLINGTON HEIGHTS IL 600052505, ARLINGTON HEIGHTS, IL 60005-2505

Mortgage

Document Number	34183
Date	Jul 3, 2017
Instrument	34183

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 2, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 638 Enterprise St was $6,083.

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	$6,083.00	$87,741 (+8.57%) Land $20,924 Building $66,817	$263,328 (+8.57%) Land $62,797 Building $200,531
2024		$80,815 Land $19,272 Building $61,543	$242,542 Land $57,839 Building $184,703
2022	$5,252.00 (+4.68%) Homeowner's exemption	$66,573 (+6.96%) Land $15,876 Building $50,697	$199,719 (+6.96%) Land $47,628 Building $152,091
2021	$5,017.00 Homeowner's exemption	$62,241 Land $14,843 Building $47,398	$186,723 Land $44,529 Building $142,194

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

Flood

FEMA maps place 638 Enterprise 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 638 Enterprise 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 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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