700 Elma Ave, Elgin, IL 60120 Property Records

Cook County property record for 700 Elma Ave, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,266 sqft · built 1959
Lot Size	0.194 acres (8,467 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Jul 2017)
Tax Bill	$5,666 (2023)
Deeds & Mortgages	Sep 2018 Line of Credit Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-06-106-094`

Property Details

APN / Parcel Number

Primary APN	`06-06-106-094`
Alternative APN	`06-06-106-094-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,266 sqft Living Area
1st Floor Area	1,266 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1960
Architectural Style	Bungalow
Exterior Material	Wood
Construction Type	Frame
Roof Material	Asphalt
Lot Area	8,467 sqft (0.194 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	700 ELMA AVE
City	ELGIN
State	IL
Zip	60120-2302
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	(BLACKHAWK)(MANOR) SUB PT OF SECS 6 & 7 SEC 07-41-09
Legal Range	09E
Legal Township	41N
Legal Section	07
Legal Subdivision	BLACKHAWK MANOR
Legal Lot Number	27,26
Jurisdiction	COOK IL
Township / Civil Division	HANOVER
Census Block Group	1
Census Block	1023
Census Tract	804313

Owner

Source: Cook County records, as of May 27, 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 Record
Mailing Address	700 ELMA AVE, ELGIN, IL 60120-2302
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2018	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK
Jul 25, 2017	Warranty Deed, Transfer · FHA Mortgage CHERRY CREEK MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 25, 2017 · Amount on Record
Deed Sale	Jul 25, 2017 · Amount on Record
Prior Sale	Dec 12, 2011 · Amount on Record
Deed Document Number	20176034
Record Updated	Oct 29, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	COOK IL
Property Address	700 ELMA AVE, ELGIN, IL 60120-2302
Document Number	1829641047
Instrument Date	Sep 24, 2018
Transaction Type	Mortgage
Record Updated	Nov 2, 2018
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	700 ELMA AVE ELGIN IL 601202302, ELGIN, IL 60120-2302

Mortgage

Document Number	1829641047
Date	Oct 23, 2018
Instrument	29641047

Lender

Name	FIFTH THIRD BK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 22, 2048

Interest

Rate Type	Adjustable Rate

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	COOK IL
Recording Date	Jul 25, 2017
Property Address	700 ELMA AVE, ELGIN, IL 60120-2302
Document Number	1720606034
Instrument Date	Jul 24, 2017
Instrument	20606034
Transaction Type	Transfer
Record Updated	Aug 9, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$175.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	700 ELMA AVE ELGIN IL 601202302, ELGIN, IL 60120-2302

Mortgage

Document Number	1720606035
Date	Jul 25, 2017
Instrument	20606035

Lender

Name	CHERRY CREEK MTG
Type	Mortgage Company
Address	GREENWOOD VILLAGE, CO 80111

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 24, 2047

Interest

Rate	4.12%

Tax Assessment & Valuation

Source: Cook County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Cook County
County Subdivision	Hanover 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		$27,000 (+17.4%) Land $5,927 Building $21,073	$270,000 (+17.4%) Land $59,270 Building $210,730
2023	$5,666.00 (+3.47%)
2022	$5,476.00 Homeowner's exemption	$22,999 Land $3,386 Building $19,613	$229,990 Land $33,860 Building $196,130

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 February 11, 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 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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