674 Elma Ave, Elgin, IL 60120 Property Records

Kane County property record for 674 Elma Ave, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,638 sqft · built 1910
Lot Size	0.8 acres (3,485 sqft)
Owner	2 Trust Names on File
Last Sale	$305,000 (Dec 2025)
Tax Bill	$5,767 (2025)
Deeds & Mortgages	Sep 2026 Sale Dec 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-01-478-013`

Property Details

APN / Parcel Number

Primary APN	`06-01-478-013`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	5 Stories
Building Area	1,638 sqft Living Area
Gross Area	2,730 sqft
Basement Area	1,092 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Traditional
Construction Type	Frame
Lot Area	3,485 sqft (0.8 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Window A/C
Water Source	Commercial

Location & Zoning

Street Address	674 ELMA AVE
City	ELGIN
State	IL
Zip	60120-2218
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDARSIDE ADDN LOT 6 & THE W 1/2 OF LOT 5 IN BLOCK 1
Legal Subdivision	CEDARSIDE ADDN
Legal Block	1
Legal Lot Number	6,5
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1015
Census Tract	850800

Owner

674 Elma Ave is held in a trust since December 2025.

Source: Kane County records, as of October 13, 2026

Owner of Record	2 Trust Names on File
Mailing Address	676 ELMA AVE, ELGIN, IL 60120-2218
Owner Type	Company
Vesting	Trust, Revocable Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Dec 24, 2025	Warranty Deed, Transfer · Conventional Mortgage ASSOCIATED BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 24, 2025 · Amount on File
Deed Sale	Dec 24, 2025 · Amount on File
Prior Sale	Dec 29, 2015
Deed Document Number	202551316
Prior Transfer Date	Dec 31, 2012
Prior Transfer Doc	0000069067
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	Sep 15, 2026
Property Address	674 ELMA AVE, ELGIN, IL 60120-2218
Document Number	0000039963
Instrument Date	Aug 7, 2026
Instrument	202639963
Transaction Type	Transfer
Record Updated	Sep 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	676 ELMA AVE, ELGIN, IL 60120-2218

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 24, 2025
Property Address	674 ELMA AVE, ELGIN, IL 60120-2218
Document Number	0000051316
Instrument Date	Dec 12, 2025
Instrument	2025K051316
Transaction Type	Transfer
Record Updated	Jan 5, 2026
Title Company	CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$305.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7038 WESTWOOD DR, CARPENTERSVILLE, IL 60110-3256

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	676 ELMA AVE, ELGIN, IL 60120-2218

Mortgage

Document Number	0000051317
Date	Dec 24, 2025
Instrument	2025K051317

Lender

Name	ASSOCIATED BANK NA
Type	Bank
Address	GREEN BAY, WI 54301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Interest

Rate	6%

Tax Assessment & Valuation

The 2025 property tax bill for 674 Elma Ave was $5,767, up 3.5% from the year before.

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	$5,767.00 (+3.5%)	$75,602 (+8.57%) Land $11,458 Building $64,144	$226,897 (+8.57%) Land $34,388 Building $192,509
2024	$5,572.00	$69,635 Land $10,554 Building $59,081	$208,989 Land $31,675 Building $177,314
2022	$4,974.00 (+3.97%)	$57,363 (+6.96%) Land $8,694 Building $48,669	$172,089 (+6.96%) Land $26,082 Building $146,007
2021	$4,784.00	$53,630 Land $8,128 Building $45,502	$160,890 Land $24,384 Building $136,506

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

FEMA maps place 674 Elma Ave in Zone X, an area of minimal flood risk.

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

The area around 674 Elma Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 195 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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