673 Villa St, Elgin, IL 60120 Property Records

Kane County property record for 673 Villa St, Elgin, IL 60120

Property Summary

Property Type	Commercial
Details	660 sqft
Lot Size	0.63 acres (2,736 sqft)
Owner	Company Name on Record
Last Sale	$123,000 (Dec 2020)
Tax Bill	$4,302 (2025)
Deeds & Mortgages	Dec 2020 Line of Credit Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-24-227-002`

Property Details

APN / Parcel Number

Primary APN	`06-24-227-002`

Interior

Stories	1 Story
Building Area	660 sqft Gross Area
1st Floor Area	660 sqft

Exterior

Lot Area	2,736 sqft (0.63 acres)

Location & Zoning

Street Address	673 VILLA ST
City	ELGIN
State	IL
Zip	60120-6723
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	SUB OF BLK 10 SHERMANS ADD E PT (BEING 44.2 FT N LINE & 61.9 FT ON S LINE) LOT 2 BLK 2
Legal Subdivision	SHERMANS ADD
Legal Block	10,2
Legal Lot Number	2
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3008
Census Tract	851400

Owner

Source: Kane County records, as of July 23, 2026

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

Owner of Record	Company Name on Record
Mailing Address	1S055 W BURNHAM LN, GENEVA, IL 60134-4886
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2020	Deed of Trust, Mortgage · Line of Credit GRAND RIDGE NATIONAL BANK
Dec 21, 2020	Warranty Deed, Transfer · Commercial Mortgage GRAND RIDGE NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 2020 · Amount on Record
Deed Sale	Dec 21, 2020 · Amount on Record
Prior Sale	Jul 17, 2015 · Amount on Record
Deed Document Number	202079660
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	673 VILLA ST, ELGIN, IL 60120-6723
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000074871
Date	Dec 3, 2020
Instrument	2020K074871

Lender

Name	GRAND RIDGE NATIONAL BANK
Type	Bank
Address	WHEATON, IL 60187

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 21, 2020
Property Address	673 VILLA ST, ELGIN, IL 60120-6723
Document Number	0000079660
Instrument Date	Oct 16, 2020
Instrument	2020K079660
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$123.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	120A COLLEN DR, 120A, LOMBARD, IL 60148-4477

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15055 W BUCHANAN LN, GENEVA, IL 60134

Mortgage

Document Number	0000079661
Date	Dec 21, 2020
Instrument	2020K079661

Lender

Name	GRAND RIDGE NATIONAL BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Kane County assessment roll, as of July 23, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,302.00 (+15.96%)	$56,400 (+8.57%) Land $10,819 Building $45,581	$169,268 (+8.57%) Land $32,470 Building $136,798
2024		$51,948 (+21.39%) Land $9,965 Building $41,983	$155,906 (+21.44%) Land $29,907 Building $125,999
2022	$3,710.00 (+3.95%)	$42,793 (+6.96%) Land $8,209 Building $34,584	$128,379 (+6.96%) Land $24,627 Building $103,752
2021	$3,569.00	$40,009 Land $7,675 Building $32,334	$120,027 Land $23,025 Building $97,002

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.

Flood

Source: FEMA National Flood Hazard Layer, effective October 8, 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ELGIN serves 114,797 people · EPA ID IL0894380
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	19 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	8 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 438 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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