654 Grace St, Elgin, IL 60120 Property Records

Kane County property record for 654 Grace St, Elgin, IL 60120 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,011 sqft · built 1900
Lot Size	0.192 acres (8,385 sqft)
Owner	2 Individual Names on File
Last Sale	$265,000 (Feb 2025)
Tax Bill	$3,776 (2025)
Deeds & Mortgages	Apr 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-24-401-016`

Property Details

APN / Parcel Number

Primary APN	`06-24-401-016`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	5 Stories
Building Area	1,011 sqft Living Area
Gross Area	1,531 sqft
Basement Area	520 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	8,385 sqft (0.192 acres)

Location & Zoning

Street Address	654 GRACE ST
City	ELGIN
State	IL
Zip	60120-8350
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GROTE & WALDRONS 5TH ADDN LOT 11
Legal Subdivision	GROTE&WALDRONS 5TH ADDN
Legal Block	6
Legal Lot Number	11
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	6
Census Block	6004
Census Tract	851400

Owner

Source: Kane County records · APN 06-24-401-016

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 Record	2 Individual Names on File
Mailing Address	654 GRACE ST, ELGIN, IL 60120-8350
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 18, 2025 · Amount on Record
Deed Sale	Feb 18, 2025 · Amount on Record
Deed Document Number	20255730
Prior Transfer Date	Sep 28, 1999
Prior Transfer Doc	0000093350
Record Updated	Sep 20, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	654 GRACE ST, ELGIN, IL 60120-8350
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020712
Date	Apr 25, 2017
Instrument	2017K020712

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	169 Months
Due	May 01, 2031

Interest

Rate	3.62%

Tax Assessment & Valuation

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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,776.00 (+15.76%)	$57,498 (+8.57%) Land $13,876 Building $43,622	$172,563 (+8.57%) Land $41,645 Building $130,918
2024		$52,960 (+21.39%) Land $12,781 Building $40,179	$158,944 (+21.44%) Land $38,358 Building $120,585
2022	$3,262.00 (+5.12%) Homeowner's exemption	$43,627 (+6.96%) Land $10,529 Building $33,098	$130,881 (+6.96%) Land $31,587 Building $99,294
2021	$3,103.00 Homeowner's exemption	$40,788 Land $9,844 Building $30,944	$122,364 Land $29,532 Building $92,832

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 Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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