638 Summit St, Elgin, IL 60120 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,007 sqft · built 1940
Lot Size	0.198 acres (8,613 sqft)
Owner	2 Company Names on Record
Last Sale	$57,500 (Nov 2008)
Tax Bill	$5,970 (2025)
Deeds & Mortgages	Jul 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-12-478-018`

Property Details

APN / Parcel Number

Primary APN	`06-12-478-018`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	5 Stories
Building Area	1,007 sqft Living Area
Gross Area	1,689 sqft
Basement Area	682 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	8,613 sqft (0.198 acres)
Lot Dimensions	133 ft deep x 65 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	638 SUMMIT ST
City	ELGIN
State	IL
Zip	60120-4221
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COUNTY CLERKS SUB WEST 65 FT SOUTH 132.5 FT LOT 251 NORTH OF HIGHWAY
Legal Subdivision	COUNTY CLERKS SUB
Legal Block	4
Legal Lot Number	251
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4010
Census Tract	850800

Owner

Source: Kane County records, as of July 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	6 S COVE DR, SOUTH BARRINGTON, IL 60010-9592
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2008 · Amount on Record
Deed Sale	Nov 13, 2008 · Amount on Record
Prior Sale	Nov 13, 2008
Deed Document Number	200885599
Last Transfer Date	Jan 12, 2009
Transfer Doc	0000004594
Record Updated	Sep 20, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	638 SUMMIT ST, ELGIN, IL 60120-4221
Transaction Type	Mortgage
Record Updated	Jun 24, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000035435
Date	Jul 11, 2017
Instrument	2017K035435

Lender

Name	FIRST FEDERAL SAVINGS BANK
Type	Bank
Address	OTTAWA, IL 61350

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Aug 1, 2022

Interest

Rate	4.37%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 2025

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	$5,970.00 (+15.94%)
2024		$72,088 (+21.39%) Land $18,984 Building $53,104	$216,351 (+21.44%) Land $56,975 Building $159,376
2022	$5,149.00 (+3.96%)	$59,384 (+6.96%) Land $15,639 Building $43,745	$178,152 (+6.96%) Land $46,917 Building $131,235
2021	$4,953.00	$55,519 Land $14,621 Building $40,898	$166,557 Land $43,863 Building $122,694

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

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 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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