645 Algona Ave, Elgin, IL 60120 Property Records

Kane County property record for 645 Algona Ave, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 972 sqft · built 1920
Lot Size	0.215 acres (9,372 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Aug 2020)
Tax Bill	$5,149 (2025)
Deeds & Mortgages	Aug 2020 Sale & Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-12-430-011`

Property Details

APN / Parcel Number

Primary APN	`06-12-430-011`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	972 sqft Living Area
Gross Area	1,944 sqft
1st Floor Area	972 sqft
Basement Area	972 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Construction Type	Frame
Lot Area	9,372 sqft (0.215 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	645 ALGONA AVE
City	ELGIN
State	IL
Zip	60120-3903
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FAIR GROUND ADDN LOT 9 BLOCK 2
Legal Subdivision	FAIR GROUND ADDN
Legal Block	2
Legal Lot Number	9
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4007
Census Tract	850800

Owner

645 Algona Ave is owned and occupied by an individual who bought it in August 2020.

Source: Kane County records, as of July 23, 2026

Owner of Record	Individual Name on File
Mailing Address	645 ALGONA AVE, ELGIN, IL 60120-3903
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2020 · Amount on File
Deed Sale	Aug 18, 2020 · Amount on File
Deed Document Number	202046401
Record Updated	Oct 29, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 18, 2020
Property Address	645 ALGONA AVE, ELGIN, IL 60120-3903
Document Number	0000046401
Instrument Date	Jun 18, 2020
Instrument	2020K046401
Transaction Type	Transfer
Record Updated	Jul 27, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$165.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 ALGONA AVE, ELGIN, IL 60120-3903

Mortgage

Document Number	0000046403
Date	Aug 18, 2020
Instrument	2020K046403

Lender

Name	ILLINOIS HOUSING DEVELOPMENT AUTHORITY
Type	Government Agency
Address	CHICAGO, IL 60601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 645 Algona Ave was $5,149 with a homeowner's exemption.

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	$5,149.00 Homeowner's exemption	$75,497 (+8.57%) Land $22,203 Building $53,294	$226,582 (+8.57%) Land $66,636 Building $159,946
2024		$69,537 Land $20,450 Building $49,087	$208,694 Land $61,375 Building $147,320
2022	$4,446.00 (+4.81%) Homeowner's exemption	$57,282 (+6.96%) Land $16,846 Building $40,436	$171,846 (+6.96%) Land $50,538 Building $121,308
2021	$4,242.00 Homeowner's exemption	$53,555 Land $15,750 Building $37,805	$160,665 Land $47,250 Building $113,415

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.

Flood

FEMA maps place 645 Algona Ave in Zone X, an area of minimal flood risk.

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

The area around 645 Algona Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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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