684 Stewart Ave, Elgin, IL 60120 Property Records

Kane County property record for 684 Stewart Ave, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,152 sqft · built 1920
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$248,000 (Apr 2022)
Tax Bill	$4,753 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-01-429-004`

Property Details

APN / Parcel Number

Primary APN	`06-01-429-004`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,152 sqft Living Area
Gross Area	2,016 sqft
1st Floor Area	1,152 sqft
Basement Area	864 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Construction Type	Frame
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	684 STEWART AVE
City	ELGIN
State	IL
Zip	60120-2247
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TROUT PARK SUBDN LOT 4 BLOCK 1
Legal Subdivision	TROUT PARK SUB
Legal Block	1
Legal Lot Number	4
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1003
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 STEWART AVE, ELGIN, IL 60120-2247
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 2022 · Amount on Record
Deed Sale	Apr 22, 2022 · Amount on Record
Prior Sale	May 8, 2013 · Amount on Record
Deed Document Number	202221937
Prior Transfer Date	Oct 13, 2000
Prior Transfer Doc	0000087192
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 22, 2022
Property Address	684 STEWART AVE, ELGIN, IL 60120-2247
Document Number	0000021937
Instrument Date	Apr 15, 2022
Instrument	2022K021937
Transaction Type	Transfer
Record Updated	Aug 5, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$248.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	684 STEWART AVE, ELGIN, IL 60120-2247

Mortgage

Document Number	0000021938
Date	Apr 22, 2022
Instrument	2022K021938

Lender

Name	MIDWEST COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Interest

Rate Type	Fixed Rate
Rate	4.5%

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	$4,753.00 (+17.01%) Homeowner's exemption	$70,309 (+8.57%) Land $15,581 Building $54,728	$211,011 (+8.57%) Land $46,762 Building $164,250
2024		$64,759 (+21.39%) Land $14,351 Building $50,408	$194,355 (+21.44%) Land $43,070 Building $151,285
2022	$4,062.00 (+4.91%) Homeowner's exemption	$53,347 (+6.96%) Land $11,822 Building $41,525	$160,041 (+6.96%) Land $35,466 Building $124,575
2021	$3,872.00 Homeowner's exemption	$49,876 Land $11,053 Building $38,823	$149,628 Land $33,159 Building $116,469

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 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 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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