Kane County property record for 640 Columbia Ave, Elgin, IL 60120
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,022 sqft · built 1940 |
| Lot Size | 0.147 acres (6,389 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $124,000 (Aug 2015) |
| Tax Bill | $4,711 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-12-426-021 |
| Primary APN | 06-12-426-021 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,022 sqft Living Area |
| Gross Area | 1,607 sqft |
| Basement Area | 585 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Construction Type | Frame |
| Lot Area | 6,389 sqft (0.147 acres) |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Street Address | 640 COLUMBIA AVE |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-3908 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LUDLOWS ADDN LOT 21 BLOCK 21 |
| Legal Subdivision | LUDLOWS ADDN |
| Legal Block | 21 |
| Legal Lot Number | 21 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3027 |
| Census Tract | 850800 |
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 | 640 COLUMBIA AVE, ELGIN, IL 60120-3908 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 21, 2015 · Amount on Record |
| Deed Sale | Aug 21, 2015 · Amount on Record |
| Prior Sale | Feb 17, 1999 · Amount on Record |
| Deed Document Number | 201545420 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 640 COLUMBIA AVE, ELGIN, IL 60120-3908 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | RAVENSWOOD TITLE COMPANY LLC |
| Name | Verified Name |
|---|
| Document Number | 0000081003 |
|---|---|
| Date | Dec 28, 2020 |
| Instrument | 2020K081003 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.75% |
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,711.00 (+15.78%) Homeowner's exemption | $69,763 (+8.57%) Land $15,287 Building $54,476 | $209,373 (+8.57%) Land $45,879 Building $163,493 |
| 2024 | $64,256 (+21.4%) Land $14,080 Building $50,176 | $192,845 (+21.44%) Land $42,257 Building $150,588 | |
| 2022 | $4,069.00 (+4.9%) Homeowner's exemption | $52,931 (+6.96%) Land $11,598 Building $41,333 | $158,793 (+6.96%) Land $34,794 Building $123,999 |
| 2021 | $3,879.00 Homeowner's exemption | $49,486 Land $10,843 Building $38,643 | $148,458 Land $32,529 Building $115,929 |
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.
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 |
|
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.
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.
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 |
| 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.
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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