651 Deborah Ave, Elgin, IL 60123 Property Records

Kane County property record for 651 Deborah Ave, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,872 sqft · built 1965
Lot Size	0.258 acres (11,224 sqft)
Owner	2 Trust Names on Record
Last Sale	$190,000 (Aug 2020)
Tax Bill	$7,389 (2025)
Deeds & Mortgages	Jul 2022 Second Mortgage Aug 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-10-305-001`

Property Details

APN / Parcel Number

Primary APN	`06-10-305-001`

Interior

Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	5 Stories
Building Area	1,872 sqft Living Area

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Construction Type	Frame
Foundation Type	Raised
Lot Area	11,224 sqft (0.258 acres)
Lot Width	125 ft Width
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	651 DEBORAH AVE
City	ELGIN
State	IL
Zip	60123-2621
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ANDRESEN BROS EAGLE HEIGHTS UNIT 4 EX ELY 25 FT LOT C (MEASURED ALONG NLY LINE) BLK 6
Legal Subdivision	EAGLE HEIGHTS
Legal Block	6
Legal Lot Number	C
Legal Unit	4
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1003
Census Tract	851909

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 Trust Names on Record
Mailing Address	651 DEBORAH AVE, ELGIN, IL 60123-2621
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage US BANK NA
Aug 19, 2020	Deed, Transfer · FHA Mortgage FIRST CENTENNIAL MORTGAGE CORP
Jun 19, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2020 · Amount on Record
Deed Sale	Aug 19, 2020 · Amount on Record
Deed Document Number	202046600
Prior Transfer Date	Jun 6, 2017
Prior Transfer Doc	0000031176
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	651 DEBORAH AVE, ELGIN, IL 60123-2621
Transaction Type	Mortgage
Record Updated	Jul 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	651 DEBORAH AVE, ELGIN, IL 60123-2621

Mortgage

Document Number	0000037454
Date	Jul 22, 2022
Instrument	2022K037454

Lender

Name	US BANK NA
Type	Bank
Address	DEERFIELD, IL 60015

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2037

August 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	Aug 19, 2020
Property Address	651 DEBORAH AVE, ELGIN, IL 60123-2621
Document Number	0000046600
Instrument Date	Aug 8, 2020
Instrument	2020K046600
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	ATTORNEYS TTL GUARANTY FUND

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$190.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	651 DEBORAH AVE, ELGIN, IL 60123-2621

Mortgage

Document Number	0000046601
Date	Aug 19, 2020
Instrument	2020K046601

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.75%

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Jun 19, 2017
Property Address	651 DEBORAH AVE, ELGIN, IL 60123-2621
Document Number	0000031176
Instrument Date	Jun 6, 2017
Instrument	31176
Transaction Type	Transfer
Record Updated	Jul 12, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	791 PATRICIA AVE ELGIN IL 601203149, ELGIN, IL 60120-3149

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	$7,389.00 (+15.85%) Homeowner's exemption	$105,466 (+8.57%) Land $30,475 Building $74,991	$316,525 (+8.57%) Land $91,462 Building $225,063
2024		$97,141 (+21.39%) Land $28,069 Building $69,072	$291,540 (+21.44%) Land $84,241 Building $207,299
2022	$6,378.00 (+4.9%) Homeowner's exemption	$80,021 (+7.91%) Land $23,122 Building $56,899	$240,063 (+7.91%) Land $69,366 Building $170,697
2021	$6,080.00 Homeowner's exemption	$74,152 Land $21,617 Building $52,535	$222,456 Land $64,851 Building $157,605

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 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	Low lower than 98% of the US · lower than 86% 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 264 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	100 / 20

May also be available: T-Mobile.

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