684 Luda St, Elgin, IL 60120 Property Records

Kane County property record for 684 Luda St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 841 sqft · built 1938
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,790 (2025)
Flood Zone	Zone X (minimal risk)
APN	`06-01-480-022`

Property Details

APN / Parcel Number

Primary APN	`06-01-480-022`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	841 sqft Living Area
Gross Area	1,507 sqft
1st Floor Area	841 sqft
Basement Area	666 sqft

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	684 LUDA ST
City	ELGIN
State	IL
Zip	60120-2231
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDARSIDE ADDN LOT 23 BLOCK 2
Legal Subdivision	CEDARSIDE ADDN
Legal Block	2
Legal Lot Number	23
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1016
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	684 LUDA ST, ELGIN, IL 60120-2231
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 6, 1995
Transfer Doc	0000070513
Record Updated	Sep 20, 2026

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	$3,790.00 (+12.53%) Homeowner's exemption Senior Citizen's exemption	$65,690 (+8.57%) Land $16,988 Building $48,702	$197,149 (+8.57%) Land $50,984 Building $146,164
2024		$60,505 (+21.39%) Land $15,647 Building $44,858	$181,588 (+21.44%) Land $46,960 Building $134,628
2022	$3,368.00 (+6.05%) Homeowner's exemption	$49,843 (+6.96%) Land $12,890 Building $36,953	$149,529 (+6.96%) Land $38,670 Building $110,859
2021	$3,176.00 Homeowner's exemption	$46,599 Land $12,051 Building $34,548	$139,797 Land $36,153 Building $103,644

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	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 616 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
AT&T DSL	100 / 20