659 Jay St, Elgin, IL 60120 Property Records

Kane County property record for 659 Jay St, Elgin, IL 60120 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,664 sqft · built 1908
Lot Size	0.131 acres (5,715 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Oct 2025)
Tax Bill	$6,081 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-24-428-003`

Property Details

APN / Parcel Number

Primary APN	`06-24-428-003`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,664 sqft Living Area
Gross Area	2,496 sqft
Basement Area	832 sqft

Exterior

Year Built	Built 1908
Effective Year Built	Effective 1908
Exterior Material	Brick
Lot Area	5,715 sqft (0.131 acres)
Lot Dimensions	90 ft deep x 64 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	659 JAY ST
City	ELGIN
State	IL
Zip	60120-7974
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MCKINLEY ADDN LOT 3 BLOCK 2
Legal Subdivision	MCKINLEY ADDN
Legal Block	2
Legal Lot Number	3
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1001
Census Tract	851400

Owner

Source: Kane County records · APN 06-24-428-003

Assessment roll updated December 26, 2025 · Last verified July 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	659 JAY ST, ELGIN, IL 60120-7974
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 29, 2025 · Amount on Record
Deed Sale	Oct 29, 2025 · Amount on Record
Prior Sale	Jul 13, 1998 · Amount on Record
Record Updated	Sep 20, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 29, 2025
Property Address	659 JAY ST, ELGIN, IL 60120-7974
Document Number	0000042616
Instrument Date	Oct 27, 2025
Instrument	2025K042616
Transaction Type	Transfer
Record Updated	Apr 02, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$250.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	659 JAY ST, ELGIN, IL 60120-7974

Mortgage

Document Number	0000042617
Date	Oct 29, 2025
Instrument	2025K042617

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2055

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated December 26, 2025 · Last verified July 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, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,081.00 (+4.39%) Homeowner's exemption
2024	$5,825.00 (+10.95%) Homeowner's exemption	$80,795 (+21.39%) Land $12,492 Building $68,303	$242,482 (+21.44%) Land $37,491 Building $204,991
2022	$5,250.00 (+4.67%) Homeowner's exemption	$66,557 (+6.96%) Land $10,291 Building $56,266	$199,671 (+6.96%) Land $30,873 Building $168,798
2021	$5,016.00 Homeowner's exemption	$62,226 Land $9,621 Building $52,605	$186,678 Land $28,863 Building $157,815

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170898514001, refreshed September 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
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 11 individual NFIP policies nearby
Nearby Flood Policies	11 in force 10 of 11 on primary residences
Nearby Flood Claims	102 (1979–2020)
Claims Outside the SFHA	11 of 102
Most Recent Claim	May 2020, rainfall accumulation
Flood Events	Severe Storms, Straight-line Winds, And Flooding (Apr 2013), 14 claims Severe Storms And Flooding (Sep 2008), 35 claims

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.