Kane County property record for 646 Raymond St, Elgin, IL 60120
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 922 sqft · built 1880 |
| Lot Size | 0.94 acres (4,099 sqft) |
| Owner | Individual Name on File |
| Last Sale | $125,000 (Aug 2019) |
| Tax Bill | $3,314 (2025) |
| Deeds & Mortgages | Aug 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-24-179-025 |
| Primary APN | 06-24-179-025 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Total Rooms | 6 Rooms |
| Stories | 5 Stories |
| Building Area | 922 sqft Living Area |
| Gross Area | 1,558 sqft |
| Basement Area | 636 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Construction Type | Frame |
| Lot Area | 4,099 sqft (0.94 acres) |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Street Address | 646 RAYMOND ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-8320 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | P VAN NOSTRANDS ADDN NORTH 31.05 FT SOUTH 124.7 FT EAST 132 FT LOT 4 BLOCK 1 |
| Legal Subdivision | P VAN NOSTRANDS ADDN |
| Legal Block | 1 |
| Legal Lot Number | 4 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 6 |
| Census Block | 6002 |
| Census Tract | 851400 |
646 Raymond St is owned and occupied by an individual who bought it in August 2019.
Source: Kane County records, as of July 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 646 RAYMOND ST, ELGIN, IL 60120-8320 |
| 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 | Name on Deed |
|---|---|
| Last Sale | Aug 7, 2019 · Amount on File |
| Deed Sale | Aug 7, 2019 · Amount on File |
| Deed Document Number | 201935208 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Aug 7, 2019 |
| Property Address | 646 RAYMOND ST, ELGIN, IL 60120-8320 |
| Document Number | 0000035208 |
| Instrument Date | Jul 18, 2019 |
| Instrument | 2019K035208 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $125.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 646 RAYMOND ST, ELGIN, IL 60120-8320 |
| Document Number | 0000035209 |
|---|---|
| Date | Aug 7, 2019 |
| Instrument | 2019K035209 |
| Name | PLATINUM HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.37% |
The 2025 property tax bill for 646 Raymond St was $3,314 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 | $3,314.00 Homeowner's exemption | $51,446 (+8.57%) Land $9,848 Building $41,598 | $154,400 (+8.57%) Land $29,556 Building $124,844 |
| 2024 | $47,385 Land $9,071 Building $38,314 | $142,212 Land $27,224 Building $114,988 | |
| 2022 | $2,864.00 (+5.29%) Homeowner's exemption | $39,034 (+6.96%) Land $7,472 Building $31,562 | $117,102 (+6.96%) Land $22,416 Building $94,686 |
| 2021 | $2,720.00 Homeowner's exemption | $36,494 Land $6,986 Building $29,508 | $109,482 Land $20,958 Building $88,524 |
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.
FEMA maps place 646 Raymond St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective October 8, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 646 Raymond St 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 585 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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