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653 Jay St, Elgin, IL 60120 Property Records

Kane County property record for 653 Jay St, Elgin, IL 60120 · Last verified August 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms2 Beds
Bathrooms1 Baths
Year BuiltBuilt 1915
Square Footage720 sqft Living Area
Lot Size5,715 sqft (0.131 acres)
OccupancyOwner Occupied
Last Sale$107,500 (2020)
Tax Bill$3,271.00 (2025)

Owner

Source: Kane County records · APN 06-24-428-001

Assessment roll updated July 23, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address653 JAY ST, ELGIN, IL 60120-7974
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Feb 18, 2022Deed of Trust, Mortgage · Conventional Mortgage
CMG MORTGAGE INC
Dec 01, 2020Warranty Deed, Transfer · Conventional Mortgage
CMG MORTGAGE INC
Aug 31, 2020Warranty Deed, Transfer
CHICAGO LAND AGENCY SERVICES, CHICAGO LAND AGCY SVCS

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 01, 2020 · Amount on Record
Deed SaleDec 01, 2020 · Amount on Record
Prior SaleAug 31, 2020 · Amount on Record
Deed Doc Number202074002
Record RefreshedSep 20, 2026

February 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address653 JAY ST, ELGIN, IL 60120-7974
Transaction TypeMortgage
Record UpdatedAug 05, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000009738
DateFeb 18, 2022
Instrument2022K009738
Lender
NameCMG MORTGAGE INC
TypeMortgage Company
Address9458
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2052

December 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateDec 01, 2020
Property Address653 JAY ST, ELGIN, IL 60120-7974
Document Number0000074002
Instrument DateSep 23, 2020
Instrument2020K074002
Transaction TypeTransfer
Record UpdatedAug 05, 2022
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$107.50
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address36W995 RED GATE RD, 36W995, SAINT CHARLES, IL 60175-6223

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address653 JAY ST, ELGIN, IL 60120-7974

Mortgage

Document Number0000074003
DateDec 01, 2020
Instrument2020K074003
Lender
NameCMG MORTGAGE INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term359 Months
DueNov 01, 2050
Interest
Rate3.5%

August 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateAug 31, 2020
Property Address653 JAY ST, ELGIN, IL 60120-7974
Document Number0000049550
Instrument DateJul 25, 2020
Instrument49550
Transaction TypeTransfer
Record UpdatedSep 14, 2020
Title CompanyCHICAGO LAND AGENCY SERVICES, CHICAGO LAND AGCY SVCS

Transaction

AmountAmount Recorded
Tax$75.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address36W995 RED GATE RD ST CHARLES IL 601756223, ST CHARLES, IL 60175-6223
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated July 23, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionElgin Township
MunicipalityElgin City
Unified School DistrictSchool District U-46 (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$3,271.00 (+15.71%) Homeowner's exemption$50,879 (+8.57%) Land $13,563 Building $37,316$152,698 (+8.57%) Land $40,705 Building $111,993
2024$46,862 (+21.39%) Land $12,492 Building $34,370$140,642 (+21.44%) Land $37,491 Building $103,151
2022$2,827.00 (+5.33%) Homeowner's exemption$38,604 (+6.96%) Land $10,291 Building $28,313$115,812 (+6.96%) Land $30,873 Building $84,939
2021$2,684.00 Homeowner's exemption$36,092 Land $9,621 Building $26,471$108,276 Land $28,863 Building $79,413

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN06-24-428-001

Interior

Bedrooms2 Beds
Full Baths1 Baths
Total Rooms4 Rooms
Building Area720 sqft Living Area
Gross Area1,440 sqft Gross Area
1st Floor720 sqft 1st Floor
Basement Area720 sqft Basement
Stories1 Stories

Exterior

Year BuiltBuilt 1915
Effective Year BuiltEffective 1915
Construction TypeFrame Construction
Lot Area5,715 sqft (0.131 acres)
Parking Spaces1 Parking Spaces
Garage TypeDetached Garage

Utilities and HVAC

Cooling SystemHVAC Cooling

Location & Zoning

Street Address653 JAY ST
CityELGIN
StateIL
Zip60120-7974
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionMCKINLEY ADDN LOT 1 BLOCK 2
Legal SubdivisionMCKINLEY ADDN
Legal Block2
Legal Lot Number1
JurisdictionKANE IL
Minor Civil DivisionELGIN
Census Blockgroup1
Census Block1001
Census Tract851400

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