643 Center St, Elgin, IL 60120 Property Records

Kane County property record for 643 Center St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,312 sqft · built 1900
Lot Size	0.152 acres (6,600 sqft)
Owner	Individual Name on Record
Last Sale	$69,500 (Jun 2014)
Tax Bill	$4,979 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-12-305-005`

Property Details

APN / Parcel Number

Primary APN	`06-12-305-005`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,312 sqft Living Area
Gross Area	1,968 sqft
Basement Area	656 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	6,600 sqft (0.152 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	643 CENTER ST
City	ELGIN
State	IL
Zip	60120-3716
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOVELLS ADDN NORTH 50 FT SOUTH 100 FT EAST 132 FT LOT 4 BLOCK 3
Legal Subdivision	LOVELLS ADDN
Legal Block	3
Legal Lot Number	4
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2022
Census Tract	850800

Owner

Source: Kane County records, as of August 11, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	643 CENTER ST, ELGIN, IL 60120-3716
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 10, 2014 · Amount on Record
Deed Sale	Jun 10, 2014 · Amount on Record
Prior Sale	Nov 13, 2013
Deed Document Number	201427605
Prior Transfer Date	Mar 13, 2006
Prior Transfer Doc	0000030668
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	643 CENTER ST, ELGIN, IL 60120-3716
Transaction Type	Mortgage
Record Updated	Oct 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033025
Date	Sep 22, 2023
Instrument	2023K033025

Lender

Name	FIRST AMERICAN BANK
Type	Bank
Address	HAMPSHIRE, IL 60140

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 1, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$4,979.00 (+15.82%) Homeowner's exemption	$73,264 (+8.57%) Land $16,402 Building $56,862	$219,880 (+8.57%) Land $49,226 Building $170,654
2024		$67,481 (+21.39%) Land $15,107 Building $52,374	$202,524 (+21.44%) Land $45,339 Building $157,185
2022	$4,299.00 (+4.83%) Homeowner's exemption	$55,589 (+6.96%) Land $12,445 Building $43,144	$166,767 (+6.96%) Land $37,335 Building $129,432
2021	$4,101.00 Homeowner's exemption	$51,972 Land $11,635 Building $40,337	$155,916 Land $34,905 Building $121,011

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 592 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	100 / 20

May also be available: Verizon.

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