653 Kirk Ave, Elgin, IL 60120 Property Records

Cook County property record for 653 Kirk Ave, Elgin, IL 60120 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 720 sqft · built 1952
Lot Size	0.31 acres (13,500 sqft)
Owner	Individual Name on File
Last Sale	$140,500 (May 2018)
Tax Bill	$3,939 (2023)
Deeds & Mortgages	May 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`06-19-304-021`

Property Details

APN / Parcel Number

Primary APN	`06-19-304-021`
Alternative APN	`06-19-304-021-0000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	720 sqft Living Area
1st Floor Area	720 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1953
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	13,500 sqft (0.31 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	653 KIRK AVE
City	ELGIN
State	IL
Zip	60120-8171
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	(ELGIN)(HEIGHTS) ADD TO ELGIN SEC 19-41-09
Legal Range	09E
Legal Township	41N
Legal Section	19
Legal Subdivision	ELGIN HEIGHTS
Legal Block	7
Legal Lot Number	21,22
Jurisdiction	COOK IL
Township / Civil Division	HANOVER
Census Block Group	1
Census Block	1029
Census Tract	804406

Owner

Source: Cook County records · APN 06-19-304-021

Assessment roll updated May 27, 2026 · Last verified June 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 File
Mailing Address	425 E BLUEBONNET LN, HOFFMAN ESTATES, IL 60169-4424
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 04, 2018 · Amount on Record
Deed Sale	May 04, 2018 · Amount on Record
Prior Sale	Sep 13, 2004 · Amount on Record
Deed Document Number	201846106
Record Updated	Sep 20, 2026

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	May 04, 2018
Property Address	653 KIRK AVE, ELGIN, IL 60120-8171
Document Number	1812446106
Instrument Date	Apr 30, 2018
Instrument	12446106
Transaction Type	Transfer
Record Updated	Jan 12, 2019
Title Company	PRO TITLE GROUP INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$140.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	653 KIRK AVE ELGIN IL 601208171, ELGIN, IL 60120-8171

Mortgage

Document Number	1812446107
Date	May 04, 2018
Instrument	12446107

Lender

Name	SELF-HELP CU
Type	Credit Union
Address	DURHAM, NC 27701

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	May 03, 2033

Interest

Rate Type	Fixed Rate
Rate	5.37%

Tax Assessment & Valuation

Source: Cook County records · Assessment roll updated May 27, 2026 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Cook County
County Subdivision	Hanover Township
Municipality	Elgin City
Unified School District	School 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$20,000 (+17.65%) Land $9,450 Building $10,550	$200,000 (+17.65%) Land $94,500 Building $105,500
2023	$3,939.00 (+3.71%)
2022	$3,798.00 Homeowner's exemption	$17,000 Land $5,400 Building $11,600	$170,000 Land $54,000 Building $116,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cook County (17031C), updated February 11, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM

Wildfire

Wildfire Risk	Low above 5% of the US · above 30% of Illinois
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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