Kane County property record for 649 Luda St, Elgin, IL 60120
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 992 sqft · built 1910 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $90,000 (Jan 2005) |
| Tax Bill | $2,250 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-01-481-002 |
| Primary APN | 06-01-481-002 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 992 sqft Living Area |
| Gross Area | 1,984 sqft |
| 1st Floor Area | 992 sqft |
| Basement Area | 992 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Construction Type | Frame |
| Lot Area | 6,534 sqft (0.15 acres) |
| Lot Dimensions | 132 ft deep x 50 ft wide |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 649 LUDA ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-2230 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CEDARSIDE ADDN LOT 11 BLOCK 3 |
| Legal Subdivision | CEDARSIDE ADDN |
| Legal Block | 3 |
| Legal Lot Number | 11 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 850800 |
Source: Kane County records, as of July 21, 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 | 649 LUDA ST, ELGIN, IL 60120-2230 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 31, 2005 · Amount on Record |
| Deed Sale | Jan 31, 2005 · Amount on Record |
| Deed Document Number | 200512467 |
| Prior Transfer Date | Nov 14, 2000 |
| Prior Transfer Doc | 0000095556 |
| Record Updated | Sep 20, 2026 |
Source: Kane County assessment roll, as of August 25, 2025
| 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 | $2,250.00 (-24.77%) Homeowner's exemption Senior Citizen's exemption | ||
| 2024 | $61,874 (+21.39%) Land $15,647 Building $46,227 | $185,696 (+21.44%) Land $46,960 Building $138,736 | |
| 2022 | $2,991.00 (-2.79%) Homeowner's exemption | $50,971 (+6.96%) Land $12,890 Building $38,081 | $152,913 (+6.96%) Land $38,670 Building $114,243 |
| 2021 | $3,077.00 Homeowner's exemption | $47,654 Land $12,051 Building $35,603 | $142,962 Land $36,153 Building $106,809 |
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
| 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.
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 514 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 · Fiber in parts of the area | 100 / 20 |
May also be available: T-Mobile, Verizon.
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