650 Park St, Elgin, IL 60120 Property Records

Kane County property record for 650 Park St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,364 sqft · built 1922
Lot Size	0.193 acres (8,395 sqft)
Owner	2 Individual Names on Record
Last Sale	$410,000 (Dec 2025)
Tax Bill	$6,535 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-13-230-007`

Property Details

APN / Parcel Number

Primary APN	`06-13-230-007`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,364 sqft Living Area
Gross Area	3,583 sqft
Basement Area	1,219 sqft

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Construction Type	Frame
Lot Area	8,395 sqft (0.193 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	650 PARK ST
City	ELGIN
State	IL
Zip	60120-4474
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	J FORCES HEIRS ADDN LOT 5 BLOCK 1
Legal Subdivision	J FORCES HEIRS ADDN
Legal Block	1
Legal Lot Number	5
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2006
Census Tract	851400

Owner

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	2 Individual Names on Record
Mailing Address	650 PARK ST, ELGIN, IL 60120-4474
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2025 · Amount on Record
Deed Sale	Dec 22, 2025 · Amount on Record
Prior Sale	Mar 17, 1998 · Amount on Record
Deed Document Number	202550830
Record Updated	Oct 29, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 22, 2025
Property Address	650 PARK ST, ELGIN, IL 60120-4474
Document Number	0000050830
Instrument Date	Dec 9, 2025
Instrument	2025K050830
Transaction Type	Transfer
Record Updated	Dec 31, 2025
Title Company	UNKNOWN, CT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$410.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	650 PARK ST, ELGIN, IL 60120-4474

Mortgage

Document Number	0000050831
Date	Dec 22, 2025
Instrument	2025K050831

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.99%

Tax Assessment & Valuation

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	$6,535.00 (+5.18%) Homeowner's exemption Senior Citizen's exemption	$101,666 (+8.57%) Land $21,957 Building $79,709	$305,120 (+8.57%) Land $65,897 Building $239,223
2024	$6,213.00 (+8.33%) Homeowner's exemption	$93,641 (+21.39%) Land $20,224 Building $73,417	$281,035 (+21.44%) Land $60,696 Building $220,339
2022	$5,735.00 (+5.19%) Homeowner's exemption	$77,139 (+6.96%) Land $16,660 Building $60,479	$231,417 (+6.96%) Land $49,980 Building $181,437
2021	$5,452.00 Homeowner's exemption	$72,120 Land $15,576 Building $56,544	$216,360 Land $46,728 Building $169,632

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

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 Policies	1 in force

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

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.

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 520 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
AT&T DSL · Fiber in parts of the area	100 / 20