Kane County property record for 645 Oakland Ave, Elgin, IL 60120
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,340 sqft · built 1939 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $120,000 (Sep 1998) |
| Tax Bill | $6,406 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-12-482-008 |
| Primary APN | 06-12-482-008 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,340 sqft Living Area |
| Gross Area | 2,380 sqft |
| 1st Floor Area | 1,340 sqft |
| Basement Area | 1,040 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1939 |
|---|---|
| Effective Year Built | Effective 1939 |
| Exterior Material | Brick |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Street Address | 645 OAKLAND AVE |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-4211 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HIGHLAND PARK ADDN LOT 9 BLOCK 2 |
| Legal Subdivision | HIGHLAND PARK ADDN |
| Legal Block | 2 |
| Legal Lot Number | 9 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 4 |
| Census Block | 4014 |
| Census Tract | 850800 |
645 Oakland Ave is owned and occupied by two individuals who bought it in September 1998.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 645 OAKLAND AVE, ELGIN, IL 60120-4211 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 1, 1998 · Amount on File |
| Deed Sale | Sep 1, 1998 · Amount on File |
| Deed Document Number | 199879104 |
| Prior Transfer Date | Aug 27, 1998 |
| Prior Transfer Doc | 0000079104 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 645 Oakland Ave was $6,406 with a homeowner's exemption.
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 | $6,406.00 Homeowner's exemption | $91,976 (+8.57%) Land $20,597 Building $71,379 | $276,038 (+8.57%) Land $61,816 Building $214,223 |
| 2024 | $84,716 Land $18,971 Building $65,745 | $254,250 Land $56,936 Building $197,314 | |
| 2022 | $5,531.00 (+4.65%) Homeowner's exemption | $69,787 (+6.96%) Land $15,628 Building $54,159 | $209,361 (+6.96%) Land $46,884 Building $162,477 |
| 2021 | $5,285.00 Homeowner's exemption | $65,246 Land $14,611 Building $50,635 | $195,738 Land $43,833 Building $151,905 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 645 Oakland 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.
The area around 645 Oakland 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.
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 224 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
May also be available: AT&T, T-Mobile.
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