677 Lincoln Ave, Elgin, IL 60120 Property Records

Kane County property record for 677 Lincoln Ave, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,349 sqft · built 1928
Lot Size	0.152 acres (6,600 sqft)
Owner	Individual Name on File
Last Sale	$185,000 (Dec 2020)
Tax Bill	$5,360 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-12-427-006`

Property Details

APN / Parcel Number

Primary APN	`06-12-427-006`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,349 sqft Living Area
Gross Area	2,361 sqft
1st Floor Area	1,349 sqft
Basement Area	1,012 sqft

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Construction Type	Frame
Lot Area	6,600 sqft (0.152 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	677 LINCOLN AVE
City	ELGIN
State	IL
Zip	60120-3919
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUDLOWS ADDN LOT 5 BLOCK 20
Legal Subdivision	LUDLOWS ADDN
Legal Block	20
Legal Lot Number	5
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3028
Census Tract	850800

Owner

677 Lincoln Ave is owned and occupied by an individual who bought it in December 2020.

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

Owner of Record	Individual Name on File
Mailing Address	677 LINCOLN AVE, ELGIN, IL 60120-3919
Occupancy	Owner Occupied
Owner Type	Individual

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
Nov 14, 2025	Deed of Trust, Mortgage · Conventional Mortgage NEIGHBORHOOD LOANS
Dec 17, 2020	Warranty Deed, Transfer · FHA Mortgage NEIGHBORHOOD LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 17, 2020 · Amount on File
Deed Sale	Dec 17, 2020 · Amount on File
Deed Document Number	202078953
Prior Transfer Date	Jan 4, 2016
Prior Transfer Doc	0000000142
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	677 LINCOLN AVE, ELGIN, IL 60120-3919
Transaction Type	Mortgage
Record Updated	Nov 26, 2025
Title Company	CARRINGTON TITLE PARTNERS LLC, CARRINGTON TTL PARTNERS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	677 LINCOLN AVE, ELGIN, IL 60120-3919

Mortgage

Document Number	0000045306
Date	Nov 14, 2025
Instrument	2025K045306

Lender

Name	NEIGHBORHOOD LOANS
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2055

Interest

Rate Type	Fixed Rate
Rate	7.12%

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 17, 2020
Property Address	677 LINCOLN AVE, ELGIN, IL 60120-3919
Document Number	0000078953
Instrument Date	Nov 6, 2020
Instrument	2020K078953
Transaction Type	Transfer
Record Updated	Jul 27, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$185.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	677 LINCOLN AVE, ELGIN, IL 60120-3919

Mortgage

Document Number	0000078954
Date	Dec 17, 2020
Instrument	2020K078954

Lender

Name	NEIGHBORHOOD LOANS
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.37%

Tax Assessment & Valuation

The 2025 property tax bill for 677 Lincoln Ave was $5,360 with a homeowner's exemption.

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	$5,360.00 Homeowner's exemption	$78,268 (+8.57%) Land $15,923 Building $62,345	$234,898 (+8.57%) Land $47,788 Building $187,110
2024		$72,090 Land $14,666 Building $57,424	$216,357 Land $44,016 Building $172,341
2022	$4,591.00 (+4.79%) Homeowner's exemption	$59,386 (+6.96%) Land $12,082 Building $47,304	$178,158 (+6.96%) Land $36,246 Building $141,912
2021	$4,381.00 Homeowner's exemption	$55,522 Land $11,296 Building $44,226	$166,566 Land $33,888 Building $132,678

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 677 Lincoln Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2007.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (2007–2008)
Most Recent Claim	Sep 2008 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2008 · 2 claims

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.

Wildfire

The area around 677 Lincoln 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 587 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
AT&T DSL · Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile.

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