650 Elgin Ave, Elgin, IL 60120 Property Records

Kane County property record for 650 Elgin Ave, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,128 sqft · built 1960
Lot Size	0.18 acres (7,861 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Apr 2021)
Tax Bill	$4,631 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`06-24-482-008`

Property Details

APN / Parcel Number

Primary APN	`06-24-482-008`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,128 sqft Living Area
Gross Area	1,992 sqft
1st Floor Area	1,128 sqft
Basement Area	864 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Construction Type	Frame
Lot Area	7,861 sqft (0.18 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	650 ELGIN AVE
City	ELGIN
State	IL
Zip	60120-8453
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINZLAR ADDN LOT 9 BLOCK 7
Legal Subdivision	WINZLAR ADDN
Legal Block	7
Legal Lot Number	9
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1017
Census Tract	851400

Owner

650 Elgin Ave is owned and occupied by an individual who bought it in April 2021.

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

Owner of Record	Individual Name on File
Mailing Address	650 ELGIN AVE, ELGIN, IL 60120-8453
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	Apr 15, 2021 · Amount on File
Deed Sale	Apr 15, 2021 · Amount on File
Prior Sale	Jul 16, 2012 · Amount on File
Deed Document Number	202129390
Record Updated	Oct 29, 2026

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 15, 2021
Property Address	650 ELGIN AVE, ELGIN, IL 60120-8453
Document Number	0000029390
Instrument Date	Apr 1, 2021
Instrument	2021K029390
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 ELGIN AVE, ELGIN, IL 60120-8453

Mortgage

Document Number	0000029391
Date	Apr 15, 2021
Instrument	2021K029391

Lender

Name	FIRST CENTENNIAL MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.25%

Tax Assessment & Valuation

The 2025 property tax bill for 650 Elgin Ave was $4,631 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	$4,631.00 Homeowner's exemption	$68,712 (+8.57%) Land $13,715 Building $54,997	$206,218 (+8.57%) Land $41,161 Building $165,057
2024		$63,288 Land $12,632 Building $50,656	$189,940 Land $37,911 Building $152,029
2022	$4,000.00 (+4.9%) Homeowner's exemption	$52,135 (+6.96%) Land $10,406 Building $41,729	$156,405 (+6.96%) Land $31,218 Building $125,187
2021	$3,813.00 Homeowner's exemption	$48,743 Land $9,729 Building $39,014	$146,229 Land $29,187 Building $117,042

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 650 Elgin Ave in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	102 (1979–2020)
Claims Outside the SFHA	11 of 102
Most Recent Claim	May 2020 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 14 claims Severe Storms And Flooding, Sep 2008 · 35 claims

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.

Wildfire

Wildfire risk around 650 Elgin Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 79% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 270 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

May also be available: AT&T.

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