Kane County property record for 640 Forest Ave, Elgin, IL 60120 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 1 Baths |
| Year Built | Built 1890 |
| Square Footage | 2,048 sqft Living Area |
| Lot Size | 9,801 sqft (0.225 acres) |
| Garage | Detached |
| Occupancy | Owner Occupied |
| Last Sale | $315,000 (2026) |
| Tax Bill | $6,538.00 (2025) |
| Primary APN | 06-13-278-015 |
|---|
| Full Baths | 1 Baths |
|---|---|
| Total Rooms | 8 Rooms |
| Building Area | 2,048 sqft Living Area |
| Gross Area | 3,232 sqft Gross Area |
| Basement Area | 1,184 sqft Basement |
| Stories | 2 Stories |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Construction Type | Frame Construction |
| Lot Area | 9,801 sqft (0.225 acres) |
| Depth X Width | 132 ft x 74 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Detached Garage |
| Street Address | 640 FOREST AVE |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-4405 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | JONATHAN FORCES ADDN LOT 6 BLOCK 2 |
| Legal Subdivision | JONATHAN FORCES ADDN |
| Legal Block | 2 |
| Legal Lot Number | 6 |
| Jurisdiction | KANE IL |
| Minor Civil Division | ELGIN |
| Census Blockgroup | 2 |
| Census Block | 2011 |
| Census Tract | 851400 |
Source: Kane County records · APN 06-13-278-015
Assessment roll updated December 26, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 408 ARBOR RIDGE CT, HAMPSHIRE, IL 60140-0199 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 16, 2021 | Deed of Trust, Mortgage · Line of Credit KANE COUNTY TEACHERS CU |
| Sep 07, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC |
| Nov 21, 2025 | Deed of Trust, Mortgage · Line of Credit FIRST AMERICAN BANK |
| Nov 15, 2024 | Deed of Trust, Mortgage · Line of Credit FIRST AMERICAN BANK |
| Jan 26, 2026 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Nov 17, 2017 | Deed of Trust, Mortgage · Conventional Mortgage WINTRUST MORTGAGE |
| Mar 19, 2019 | Deed of Trust, Mortgage · Commercial Mortgage STC CAPITAL BANK |
| Sep 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 26, 2026 · Amount on Record |
| Deed Sale | Jan 26, 2026 · Amount on Record |
| Prior Sale | Aug 08, 2014 · Amount on Record |
| Deed Doc Number | 20263299 |
| Prior Transfer Date | Feb 16, 2012 |
| Prior Transfer Doc | 0000010204 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 640 FOREST AVE, ELGIN, IL 60120-4405 |
| Transaction Type | Mortgage |
| Record Updated | Feb 06, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000093260 |
|---|---|
| Date | Dec 16, 2021 |
| Instrument | 2021K093260 |
| Name | KANE COUNTY TEACHERS CU |
|---|---|
| Type | Credit Union |
| Address | ELGIN, IL 60123 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 15, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 640 FOREST AVE, ELGIN, IL 60120-4405 |
| Transaction Type | Mortgage |
| Record Updated | Feb 06, 2026 |
| Title Company | RAINIER TITLE, RTC |
| Name | Verified Name |
|---|
| Document Number | 0000067853 |
|---|---|
| Date | Sep 07, 2021 |
| Instrument | 2021K067853 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 01, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 1.99% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 640 FOREST AVE, ELGIN, IL 60120-4405 |
| Transaction Type | Mortgage |
| Record Updated | Feb 06, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000046306 |
|---|---|
| Date | Nov 21, 2025 |
| Instrument | 2025K046306 |
| Name | FIRST AMERICAN BANK |
|---|---|
| Type | Bank |
| Address | HAMPSHIRE, IL 60140 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Dec 10, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7% |
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 640 FOREST AVE, ELGIN, IL 60120-4405 |
| Transaction Type | Mortgage |
| Record Updated | Feb 06, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000042431 |
|---|---|
| Date | Nov 15, 2024 |
| Instrument | 2024K042431 |
| Name | FIRST AMERICAN BANK |
|---|---|
| Type | Bank |
| Address | 80140 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jan 26, 2026 |
| Property Address | 640 FOREST AVE, ELGIN, IL 60120-4405 |
| Document Number | 0000003299 |
| Instrument Date | Dec 04, 2025 |
| Instrument | 2026K003299 |
| Transaction Type | Transfer |
| Record Updated | Feb 06, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $315.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 640 FOREST AVE, ELGIN, IL 60120-4405 |
| Name | Verified Name |
|---|---|
| Address | 640 FOREST AVE, ELGIN, IL 60120-4405 |
| Document Number | 0000003300 |
|---|---|
| Date | Jan 26, 2026 |
| Instrument | 2026K003300 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2056 |
| Rate | 7.62% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 640 FOREST AVE, ELGIN, IL 60120-4405 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000060466 |
|---|---|
| Date | Nov 17, 2017 |
| Instrument | 2017K060466 |
| Name | WINTRUST MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | DES PLAINES, IL 60018 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 640 FOREST AVE, ELGIN, IL 60120-4405 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000010630 |
|---|---|
| Date | Mar 19, 2019 |
| Instrument | 2019K010630 |
| Name | STC CAPITAL BANK |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, IL 60174 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 640 FOREST AVE, ELGIN, IL 60120-4405 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | RAVENSWOOD TITLE COMPANY LLC |
| Name | Verified Name |
|---|
| Document Number | 0000053613 |
|---|---|
| Date | Sep 17, 2020 |
| Instrument | 2020K053613 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Oct 01, 2040 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.87% |
Source: Kane County records · Assessment roll updated December 26, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,538.00 (+4.32%) Homeowner's exemption | ||
| 2024 | $6,267.00 (+11.02%) Homeowner's exemption | $86,314 (+21.39%) Land $18,949 Building $67,365 | $259,046 (+21.44%) Land $56,870 Building $202,176 |
| 2022 | $5,645.00 (+4.63%) Homeowner's exemption | $71,103 (+6.96%) Land $15,610 Building $55,493 | $213,309 (+6.96%) Land $46,830 Building $166,479 |
| 2021 | $5,395.00 Homeowner's exemption | $66,476 Land $14,594 Building $51,882 | $199,428 Land $43,782 Building $155,646 |
640 Forest Ave is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · Kane County (17089C), updated October 8, 2026
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
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