644 Douglas Ave, Elgin, IL 60120 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,298 sqft · built 1908
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$174,000 (Jan 2018)
Tax Bill	$6,100 (2025)
Deeds & Mortgages	Jan 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-11-430-013`

Property Details

APN / Parcel Number

Primary APN	`06-11-430-013`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,298 sqft Living Area
Gross Area	2,110 sqft
Basement Area	812 sqft

Exterior

Year Built	Built 1908
Effective Year Built	Effective 1908
Construction Type	Frame
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	132 ft deep x 73 ft wide
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	644 DOUGLAS AVE
City	ELGIN
State	IL
Zip	60120-3634
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOVELLS SUB OF THAT PART OF LOVELLS ADDN LYIGN SOUTH OF LINCOLN AVE LOT 2 BLOCK 7
Legal Subdivision	LOVELLS ADDN
Legal Block	7
Legal Lot Number	2
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2025
Census Tract	850800

Owner

Source: Kane County records · APN 06-11-430-013

Assessment roll updated August 25, 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	2 Individual Names on File
Mailing Address	644 DOUGLAS AVE, ELGIN, IL 60120-3634
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 08, 2018 · Amount on Record
Deed Sale	Jan 08, 2018 · Amount on Record
Prior Sale	Dec 07, 2007
Deed Document Number	20181186
Prior Transfer Date	Mar 12, 2004
Prior Transfer Doc	0000091459
Record Updated	Sep 20, 2026

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 08, 2018
Property Address	644 DOUGLAS AVE, ELGIN, IL 60120-3634
Document Number	0000001186
Instrument Date	Dec 28, 2017
Instrument	2018K001186
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	ATTORNEYS TITLE GUARANTY FUN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$174.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 DOUGLAS AVE, ELGIN, IL 60120-3634

Mortgage

Document Number	0000001187
Date	Jan 08, 2018
Instrument	2018K001187

Lender

Name	KEY MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2048

Interest

Rate Type	Fixed Rate
Rate	4.75%

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 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

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	$6,100.00 (+15.84%) Homeowner's exemption
2024		$81,017 (+21.39%) Land $18,018 Building $62,999	$243,148 (+21.44%) Land $54,076 Building $189,073
2022	$5,266.00 (+4.67%) Homeowner's exemption	$66,740 (+6.96%) Land $14,843 Building $51,897	$200,220 (+6.96%) Land $44,529 Building $155,691
2021	$5,031.00 Homeowner's exemption	$62,397 Land $13,877 Building $48,520	$187,191 Land $41,631 Building $145,560

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 8, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Historic Designation

Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 2026

Historic District	Within the Spring-Douglas Historic District listed 2000 · 455 contributing resources · NRIS 00000410

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Radiate Holdings Cable · Fiber in parts of the area	1,500 / 50
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Opiquad, T-Mobile USA, Verizon.

Based on FCC filings for 504 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ELGIN serves 114,797 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.