655 Ludlow Ave, Elgin, IL 60120 Property Records

Kane County property record for 655 Ludlow Ave, Elgin, IL 60120 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	1 Baths
Year Built	Built 1948
Square Footage	767 sqft Living Area
Lot Size	13,398 sqft (0.308 acres)
Garage	Attached
Occupancy	Owner Occupied
Tax Bill	$5,372.00 (2025)

Owner

Source: Kane County records · APN 06-12-232-021

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	655 LUDLOW AVE, ELGIN, IL 60120-2478
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Jul 22, 1997
Transfer Doc	0000062183
Record Refreshed	Sep 20, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	655 LUDLOW AVE, ELGIN, IL 60120-2478
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000035916
Date	Jul 13, 2017
Instrument	2017K035916

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 01, 2032

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 and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,372.00 (+15.8%) Homeowner's exemption	$78,425 (+8.57%) Land $31,353 Building $47,072	$235,369 (+8.57%) Land $94,097 Building $141,273
2024		$72,234 (+21.39%) Land $28,878 Building $43,356	$216,789 (+21.44%) Land $86,669 Building $130,120
2022	$4,639.00 (+4.77%) Homeowner's exemption	$59,504 (+6.96%) Land $23,789 Building $35,715	$178,512 (+6.96%) Land $71,367 Building $107,145
2021	$4,428.00 Homeowner's exemption	$55,632 Land $22,241 Building $33,391	$166,896 Land $66,723 Building $100,173

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.

Property Details

APN / Parcel Number

Primary APN	`06-12-232-021`

Interior

Bedrooms	2 Beds
Full Baths	1 Baths
Total Rooms	4 Rooms
Building Area	767 sqft Living Area
Gross Area	1,354 sqft Gross Area
1st Floor	767 sqft 1st Floor
Basement Area	587 sqft Basement
Stories	1 Stories

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Construction Type	Frame Construction
Foundation Type	No Foundation Foundation
Lot Area	13,398 sqft (0.308 acres)
Parking Spaces	1 Parking Spaces
Garage Type	Attached Garage

Location & Zoning

Street Address	655 LUDLOW AVE
City	ELGIN
State	IL
Zip	60120-2478
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOTS 9 & 10 IN BLOCK 4 OF LUDLOWS ADDITION TO ELGIN
Legal Subdivision	LUDLOWS ADDN
Legal Block	4
Legal Lot Number	9,10
Jurisdiction	KANE IL
Minor Civil Division	ELGIN
Census Blockgroup	1
Census Block	1021
Census Tract	850800