Cook County property record for 700 Ludlow Ave, Elgin, IL 60120
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,056 sqft · built 1959 |
| Lot Size | 0.182 acres (7,920 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $135,000 (Aug 2018) |
| Tax Bill | $5,090 (2023) |
| Deeds & Mortgages | Jun 2020 Mortgage Oct 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-07-101-029 |
| Primary APN | 06-07-101-029 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,056 sqft Living Area |
| 1st Floor Area | 1,056 sqft |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Bungalow |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 7,920 sqft (0.182 acres) |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 700 LUDLOW AVE |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-2516 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GLEN A (HAMS) SUB IN PT OF ELGIN NW SEC 07-41-09 |
| Legal Range | 09E |
| Legal Township | 41N |
| Legal Section | 07 |
| Legal Subdivision | HAMS SUB |
| Legal Lot Number | 7 |
| Jurisdiction | COOK IL |
| Township / Civil Division | HANOVER |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 804403 |
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 LUDLOW AVE, ELGIN, IL 60120-2516 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jun 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Oct 29, 2019 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS |
| Aug 22, 2018 | Warranty Deed, Transfer QUICKEN LNS |
| Jan 6, 2017 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 22, 2018 · Amount on Record |
| Deed Sale | Aug 22, 2018 · Amount on Record |
| Prior Sale | Nov 10, 1997 · Amount on Record |
| Deed Document Number | 201849028 |
| Prior Transfer Date | Aug 15, 2018 |
| Prior Transfer Doc | 0000049028 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 700 LUDLOW AVE, ELGIN, IL 60120-2516 |
| Document Number | 2021720020 |
| Instrument Date | Jun 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 700 LUDLOW AVE ELGIN IL 601202516, ELGIN, IL 60120-2516 |
| Document Number | 2021720020 |
|---|---|
| Date | Aug 4, 2020 |
| Instrument | 21720020 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Aug 3, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 700 LUDLOW AVE, ELGIN, IL 60120-2516 |
| Document Number | 1931155355 |
| Instrument Date | Oct 29, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 700 LUDLOW AVE ELGIN IL 601202516, ELGIN, IL 60120-2516 |
| Document Number | 1931155355 |
|---|---|
| Date | Nov 7, 2019 |
| Instrument | 31155355 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 6, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.12% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | COOK IL |
| Recording Date | Aug 22, 2018 |
| Property Address | 700 LUDLOW AVE, ELGIN, IL 60120-2516 |
| Document Number | 1823449028 |
| Instrument Date | Aug 15, 2018 |
| Instrument | 23449028 |
| Transaction Type | Transfer |
| Record Updated | Sep 5, 2018 |
| Title Company | PREMIER TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $135.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 700 LUDLOW AVE ELGIN IL 601202516, ELGIN, IL 60120-2516 |
| Document Number | 1823449029 |
|---|---|
| Date | Aug 22, 2018 |
| Instrument | 23449029 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 21, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.87% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | COOK IL |
| Property Address | 700 LUDLOW AVE, ELGIN, IL 60120-2516 |
| Document Number | 1701349034 |
| Instrument Date | Jan 6, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2017 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 700 LUDLOW AVE ELGIN IL 601202516, ELGIN, IL 60120-2516 |
| Document Number | 1701349034 |
|---|---|
| Date | Jan 13, 2017 |
| Instrument | 1349034 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 84 Months |
| Due | Jan 12, 2024 |
Source: Cook County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Cook County |
| County Subdivision | Hanover Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $26,000 (+23.81%) Land $5,544 Building $20,456 | $260,000 (+23.81%) Land $55,440 Building $204,560 | |
| 2023 | $5,090.00 (+3.52%) | ||
| 2022 | $4,917.00 Homeowner's exemption | $21,000 Land $5,148 Building $15,852 | $210,000 Land $51,480 Building $158,520 |
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.
Source: FEMA National Flood Hazard Layer, effective February 11, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 616 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 |
| AT&T DSL | 100 / 20 |
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