638 Grace St, Elgin, IL 60120 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,866 sqft · built 1900
Lot Size	0.169 acres (7,380 sqft)
Owner	Individual Name on Record
Last Sale	$205,000 (Mar 2023)
Tax Bill	$5,047 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-24-255-026`

Property Details

APN / Parcel Number

Primary APN	`06-24-255-026`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,866 sqft Living Area
Gross Area	2,889 sqft
Basement Area	1,023 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	7,380 sqft (0.169 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	638 GRACE ST
City	ELGIN
State	IL
Zip	60120-8385
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	R M IRELANDS SUB LOT 8 & PART OF LOT 5 BLOCK 2 P VAN NOSTRANDS ADDN LOT 2
Legal Subdivision	R M IRELANDS SUB
Legal Block	2
Legal Lot Number	8,5,2
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	6
Census Block	6001
Census Tract	851400

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	2100 N HAWTHORNE AVE, MELROSE PARK, IL 60164-2021
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 20, 2023 · Amount on Record
Deed Sale	Mar 20, 2023 · Amount on Record
Prior Sale	Jan 9, 2012 · Amount on Record
Deed Document Number	20238379
Prior Transfer Date	Jan 4, 1996
Prior Transfer Doc	0000004415
Record Updated	Oct 29, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Mar 20, 2023
Property Address	638 GRACE ST, ELGIN, IL 60120-8385
Document Number	0000008379
Instrument Date	Mar 6, 2023
Instrument	2023K008379
Transaction Type	Transfer
Record Updated	Mar 27, 2023
Title Company	NOT AVAILABLE, CT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$205.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	635 HARRISON ST, ELGIN, IL 60120-8217

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	638 GRACE ST, ELGIN, IL 60120-8385

Mortgage

Document Number	0000008380
Date	Mar 20, 2023
Instrument	2023K008380

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

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	$5,047.00 (+11.86%)	$74,156 (+8.57%) Land $12,838 Building $61,318	$222,557 (+8.57%) Land $38,529 Building $184,028
2024		$68,303 (+31.26%) Land $11,825 Building $56,478	$204,991 (+31.31%) Land $35,489 Building $169,502
2022	$4,512.00 (+3.96%)	$52,036 (+6.96%) Land $9,741 Building $42,295	$156,108 (+6.96%) Land $29,223 Building $126,885
2021	$4,340.00	$48,650 Land $9,107 Building $39,543	$145,950 Land $27,321 Building $118,629

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 585 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20