678 Jefferson Ave, Elgin, IL 60120 Property Records

Kane County property record for 678 Jefferson Ave, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 963 sqft · built 1935
Lot Size	0.136 acres (5,940 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (May 2023)
Tax Bill	$5,255 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-12-431-014`

Property Details

APN / Parcel Number

Primary APN	`06-12-431-014`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	5 Stories
Building Area	963 sqft Living Area
Gross Area	1,605 sqft
Basement Area	642 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Construction Type	Frame
Lot Area	5,940 sqft (0.136 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	678 JEFFERSON AVE
City	ELGIN
State	IL
Zip	60120-3942
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A H WOLTERS ADDN LOT 6
Legal Subdivision	A H WOLTERS ADDN
Legal Block	4
Legal Lot Number	6
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4000
Census Tract	850800

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	2 Individual Names on Record
Mailing Address	678 JEFFERSON AVE, ELGIN, IL 60120-3942
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 12, 2023	Warranty Deed, Transfer · Conventional Mortgage THE FEDERAL SAVINGS BANK
May 31, 2018	Warranty Deed, Transfer · Conventional Mortgage ALTERRA HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2023 · Amount on Record
Deed Sale	May 12, 2023 · Amount on Record
Prior Sale	May 31, 2018 · Amount on Record
Deed Document Number	202315171
Prior Transfer Date	Jan 14, 1997
Prior Transfer Doc	0000009299
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 12, 2023
Property Address	678 JEFFERSON AVE, ELGIN, IL 60120-3942
Document Number	0000015171
Instrument Date	May 9, 2023
Instrument	2023K015171
Transaction Type	Transfer
Record Updated	May 23, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Address	678 JEFFERSON AVE, ELGIN, IL 60120-3942

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	678 JEFFERSON AVE, ELGIN, IL 60120-3942

Mortgage

Document Number	0000015172
Date	May 12, 2023
Instrument	2023K015172

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60639

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2028
Change Frequency	6 Months
Min Rate At Change	6.75%
Max Rate At Change	11.7%
Index	Other
Max Rate	11.7%

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 31, 2018
Property Address	678 JEFFERSON AVE, ELGIN, IL 60120-3942
Document Number	0000025264
Instrument Date	May 16, 2018
Instrument	25264
Transaction Type	Transfer
Record Updated	Jun 14, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$237.75
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	678 JEFFERSON AVE ELGIN IL 601203942, ELGIN, IL 60120-3942

Mortgage

Document Number	25265
Date	May 31, 2018
Instrument	25265

Lender

Name	ALTERRA HM LNS
Address	LAS VEGAS, NV 89145

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 30, 2048

Interest

Rate	7.99%

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	$5,255.00 (+16.96%)	$76,890 (+8.57%) Land $15,287 Building $61,603	$230,762 (+8.57%) Land $45,879 Building $184,883
2024		$70,820 (+21.4%) Land $14,080 Building $56,740	$212,545 (+21.44%) Land $42,257 Building $170,288
2022	$4,493.00 (+4.81%) Homeowner's exemption	$58,338 (+6.96%) Land $11,598 Building $46,740	$175,014 (+6.96%) Land $34,794 Building $140,220
2021	$4,287.00 Homeowner's exemption	$54,542 Land $10,843 Building $43,699	$163,626 Land $32,529 Building $131,097

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
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 99.1% of the US · lower than 94% 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 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.

Nearby Properties on Jefferson Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures