690 Luda St, Elgin, IL 60120 Property Records

Kane County property record for 690 Luda St, Elgin, IL 60120 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 871 sqft · built 1903
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,685 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-01-480-024`

Property Details

APN / Parcel Number

Primary APN	`06-01-480-024`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	871 sqft Living Area
Gross Area	1,742 sqft
1st Floor Area	871 sqft
Basement Area	871 sqft

Exterior

Year Built	Built 1903
Effective Year Built	Effective 1903
Construction Type	Frame
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	690 LUDA ST
City	ELGIN
State	IL
Zip	60120-2231
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CEDARSIDE ADDN LOT 25 BLOCK 2
Legal Subdivision	CEDARSIDE ADDN
Legal Block	2
Legal Lot Number	25
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1016
Census Tract	850800

Owner

Source: Kane County records · APN 06-01-480-024

Assessment roll updated July 23, 2026 · Last verified August 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	690 LUDA ST, ELGIN, IL 60120-2231
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Jun 17, 1998
Transfer Doc	0000062792
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	Jul 21, 2026
Property Address	690 LUDA ST, ELGIN, IL 60120-2231
Document Number	0000030767
Instrument Date	Jul 14, 2026
Instrument	202630767
Transaction Type	Mortgage
Record Updated	Jul 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	690 LUDA ST, ELGIN, IL 60120-2231

Mortgage

Document Number	0000030767,
Date	Jul 21, 2026
Instrument	202630767

Lender

Name	OLD SECOND NATIONAL BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 25, 2056

Interest

Rate	6.47%
Max Rate	-1%

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated July 23, 2026 · Last verified August 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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,685.00 (+15.97%)	$61,413 (+8.57%) Land $16,988 Building $44,425	$184,313 (+8.57%) Land $50,984 Building $133,328
2024		$56,565 (+21.39%) Land $15,647 Building $40,918	$169,763 (+21.44%) Land $46,960 Building $122,803
2022	$4,040.00 (+3.96%)	$46,597 (+6.96%) Land $12,890 Building $33,707	$139,791 (+6.96%) Land $38,670 Building $101,121
2021	$3,886.00	$43,565 Land $12,051 Building $31,514	$130,695 Land $36,153 Building $94,542

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17031C), updated February 11, 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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