685 Ludlow Ave, Elgin, IL 60120 Property Records

Kane County property record for 685 Ludlow Ave, Elgin, IL 60120 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,241 sqft · built 1951
Lot Size	0.152 acres (6,600 sqft)
Owner	2 Individual Names on File
Last Sale	$220,000 (Jul 2021)
Tax Bill	$5,533 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-12-232-009`

Property Details

APN / Parcel Number

Primary APN	`06-12-232-009`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,241 sqft Living Area
1st Floor Area	1,241 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Ranch
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	6,600 sqft (0.152 acres)
Lot Dimensions	132 ft deep x 50 ft wide
Garage Type	Detached
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	685 LUDLOW AVE
City	ELGIN
State	IL
Zip	60120-2478
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUDLOWS ADDN LOT 2 BLOCK 4
Legal Subdivision	LUDLOWS ADDN
Legal Block	4
Legal Lot Number	2
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1021
Census Tract	850800

Owner

Source: Kane County records · APN 06-12-232-009

Assessment roll updated August 25, 2025 · Last verified July 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 File
Mailing Address	685 LUDLOW AVE, ELGIN, IL 60120-2478
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jul 13, 2021	Warranty Deed, Transfer · Conventional Mortgage POINT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 13, 2021 · Amount on Record
Deed Sale	Jul 13, 2021 · Amount on Record
Prior Sale	Jan 21, 2015
Deed Document Number	202153426
Prior Transfer Date	May 21, 2001
Prior Transfer Doc	0000047360
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	685 LUDLOW AVE, ELGIN, IL 60120-2478
Transaction Type	Mortgage
Record Updated	Apr 02, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014982
Date	Feb 25, 2021
Instrument	2021K014982

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 01, 2036

Interest

Rate Type	Fixed Rate
Rate	2.62%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 13, 2021
Property Address	685 LUDLOW AVE, ELGIN, IL 60120-2478
Document Number	0000053426
Instrument Date	Jun 21, 2021
Instrument	2021K053426
Transaction Type	Transfer
Record Updated	Jul 29, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$220.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	685 LUDLBW AVENUE, ELGIN, IL 60120-2478

Mortgage

Document Number	0000053427
Date	Jul 13, 2021
Instrument	2021K053427

Lender

Name	POINT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2051

Interest

Rate Type	Fixed Rate
Rate	3%

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,533.00 (+15.83%) Homeowner's exemption
2024		$74,174 (+21.39%) Land $14,440 Building $59,734	$222,611 (+21.44%) Land $43,337 Building $179,274
2022	$4,777.00 (+4.74%) Homeowner's exemption	$61,102 (+6.96%) Land $11,895 Building $49,207	$183,306 (+6.96%) Land $35,685 Building $147,621
2021	$4,561.00 Homeowner's exemption	$57,126 Land $11,121 Building $46,005	$171,378 Land $33,363 Building $138,015

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 616 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Radiate Holdings	Cable	1,500 / 50
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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