Kane County property record for 645 Cooper Ave, Elgin, IL 60120
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,636 sqft · built 1926 |
| Lot Size | 0.176 acres (7,680 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $60,000 (Mar 1995) |
| Tax Bill | $5,538 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-12-276-011 |
| Primary APN | 06-12-276-011 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,636 sqft Living Area |
| Gross Area | 2,454 sqft |
| Basement Area | 818 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1926 |
|---|---|
| Effective Year Built | Effective 1926 |
| Construction Type | Frame |
| Lot Area | 7,680 sqft (0.176 acres) |
| Lot Dimensions | 160 ft deep x 48 ft wide |
| Street Address | 645 COOPER AVE |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-3014 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LUDLOWS ADDN LOT 1 BLOCK 13 |
| Legal Subdivision | LUDLOWS ADDN |
| Legal Block | 13 |
| Legal Lot Number | 1 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 850800 |
Source: Kane County records, as of July 23, 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 Record |
|---|---|
| Mailing Address | 645 COOPER AVE, ELGIN, IL 60120-3014 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 24, 1995 · Amount on Record |
| Deed Sale | Mar 24, 1995 · Amount on Record |
| Deed Document Number | 199515791 |
| Deed Book / Page | 1076 / 789 |
| Prior Transfer Date | Mar 14, 1995 |
| Prior Transfer Doc | 0000015792 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 645 COOPER AVE, ELGIN, IL 60120-3014 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000047609 |
|---|---|
| Date | Dec 2, 2025 |
| Instrument | 2025K047609 |
| Name | ASSOCIATED BANK NA |
|---|---|
| Type | Bank |
| Address | GREEN BAY, WI 54301 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Nov 28, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,538.00 (+15.81%) Homeowner's exemption | $80,597 (+8.57%) Land $17,025 Building $63,572 | $241,888 (+8.57%) Land $51,095 Building $190,792 |
| 2024 | $74,235 (+21.39%) Land $15,681 Building $58,554 | $222,794 (+21.44%) Land $47,062 Building $175,732 | |
| 2022 | $4,782.00 (+4.75%) Homeowner's exemption | $61,153 (+6.96%) Land $12,918 Building $48,235 | $183,459 (+6.96%) Land $38,754 Building $144,705 |
| 2021 | $4,565.00 Homeowner's exemption | $57,173 Land $12,077 Building $45,096 | $171,519 Land $36,231 Building $135,288 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 2 (2007–2008) |
| Most Recent Claim | Sep 2008 · Severe Storms And Flooding |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
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.
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 |
| 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.
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures