Kane County property record for 686 Jefferson Ave, Elgin, IL 60120
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,038 sqft · built 1920 |
| Lot Size | 0.205 acres (8,910 sqft) |
| Owner | Individual Name on File |
| Last Sale | $180,000 (Nov 2020) |
| Tax Bill | $5,180 (2025) |
| Deeds & Mortgages | Jan 2018 Line of Credit Nov 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-12-431-017 |
| Primary APN | 06-12-431-017 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 5 Stories |
| Building Area | 1,038 sqft Living Area |
| Gross Area | 1,730 sqft |
| Basement Area | 692 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Construction Type | Frame |
| Lot Area | 8,910 sqft (0.205 acres) |
| Lot Dimensions | 132 ft deep x 68 ft wide |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Street Address | 686 JEFFERSON AVE |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-3942 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | A H WOLTERS ADDN WEST 1/2 LOT 2 & ALL OF LOT 3 |
| Legal Subdivision | A H WOLTERS ADDN |
| Legal Block | 4 |
| Legal Lot Number | 2,3 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 850800 |
Source: Kane County records · APN 06-12-431-017
Assessment roll updated December 26, 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 | Individual Name on File |
|---|---|
| Mailing Address | 686 JEFFERSON AVE, ELGIN, IL 60120-3942 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 12, 2018 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Nov 17, 2020 | Warranty Deed, Transfer · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU |
| Aug 22, 2017 | Grant Deed SATURN TITLE LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 17, 2020 · Amount on Record |
| Deed Sale | Nov 17, 2020 · Amount on Record |
| Prior Sale | Mar 31, 2016 · Amount on Record |
| Deed Document Number | 202070538 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 686 JEFFERSON AVE, ELGIN, IL 60120-3942 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000002105 |
|---|---|
| Date | Jan 12, 2018 |
| Instrument | 2018K002105 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 05, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Nov 17, 2020 |
| Property Address | 686 JEFFERSON AVE, ELGIN, IL 60120-3942 |
| Document Number | 0000070538 |
| Instrument Date | Sep 14, 2020 |
| Instrument | 2020K070538 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $180.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 686 JEFFERSON AVE, ELGIN, IL 60120-3942 |
| Document Number | 0000070539 |
|---|---|
| Date | Nov 17, 2020 |
| Instrument | 2020K070539 |
| Name | PARAMOUNT RESIDENTIAL MORTGAGE GROU |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.25% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Aug 22, 2017 |
| Property Address | 686 JEFFERSON AVE, ELGIN, IL 60120-3942 |
| Document Number | 0000043798 |
| Instrument Date | Mar 08, 2016 |
| Instrument | 43798 |
| Record Updated | Sep 25, 2017 |
| Title Company | SATURN TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $187.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 686 JEFFERSON AVE ELGIN IL 601203942, ELGIN, IL 60120-3942 |
Source: Kane County records · Assessment roll updated December 26, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
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 | $5,180.00 (+15.81%) Homeowner's exemption | ||
| 2024 | $69,917 (+21.39%) Land $19,363 Building $50,554 | $209,835 (+21.44%) Land $58,112 Building $151,723 | |
| 2022 | $4,473.00 (+4.8%) Homeowner's exemption | $57,596 (+6.96%) Land $15,951 Building $41,645 | $172,788 (+6.96%) Land $47,853 Building $124,935 |
| 2021 | $4,268.00 Homeowner's exemption | $53,848 Land $14,913 Building $38,935 | $161,544 Land $44,739 Building $116,805 |
Source: FEMA National Flood Hazard Layer, Kane County (17089C), as of October 8, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Radiate Holdings Cable | 1,500 / 50 |
| AT&T DSL · Fixed Wireless in parts of the area | 100 / 20 |
May also be available: T-Mobile USA.
Based on FCC filings for 587 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system IL0894380, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ELGIN serves 114,797 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | 19 ppb (2026) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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