644 Algona Ave, Elgin, IL 60120 Property Records

Kane County property record for 644 Algona Ave, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,184 sqft · built 1920
Lot Size	0.199 acres (8,657 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,472 (2025)
Deeds & Mortgages	Apr 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-12-428-021`

Property Details

APN / Parcel Number

Primary APN	`06-12-428-021`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,184 sqft Living Area
Gross Area	2,368 sqft
1st Floor Area	1,184 sqft
Basement Area	1,184 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Construction Type	Frame
Lot Area	8,657 sqft (0.199 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	644 ALGONA AVE
City	ELGIN
State	IL
Zip	60120-3904
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FAIR GROUND ADDN SOUTH 122.5 FT LOT 9 BLOCK 3
Legal Subdivision	FAIR GROUND ADDN
Legal Block	3
Legal Lot Number	9
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4001
Census Tract	850800

Owner

Source: Kane County records, as of July 23, 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	2 Individual Names on Record
Mailing Address	644 ALGONA AVE, ELGIN, IL 60120-3904
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	644 ALGONA AVE, ELGIN, IL 60120-3904
Document Number	0000017670
Instrument Date	Apr 2, 2018
Transaction Type	Mortgage
Record Updated	May 1, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	644 ALGONA AVE ELGIN IL 601203904, ELGIN, IL 60120-3904

Mortgage

Document Number	0000017670
Date	Apr 18, 2018
Instrument	17670

Lender

Name	ANDIGO CU
Address	SCHAUMBURG, IL 60173

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 17, 2038

Interest

Rate Type	Adjustable Rate

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	$5,472.00 (+15.81%) Homeowner's exemption	$79,730 (+8.57%) Land $22,381 Building $57,349	$239,286 (+8.57%) Land $67,170 Building $172,116
2024		$73,436 (+21.39%) Land $20,614 Building $52,822	$220,396 (+21.44%) Land $61,867 Building $158,529
2022	$4,725.00 (+4.77%) Homeowner's exemption	$60,494 (+6.96%) Land $16,981 Building $43,513	$181,482 (+6.96%) Land $50,943 Building $130,539
2021	$4,510.00 Homeowner's exemption	$56,558 Land $15,876 Building $40,682	$169,674 Land $47,628 Building $122,046

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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