705 Carol Ave, Elgin, IL 60123 Property Records

Kane County property record for 705 Carol Ave, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,850 sqft · built 1976
Lot Size	0.259 acres (11,280 sqft)
Owner	Individual Name on File
Last Sale	$313,000 (Nov 2021)
Tax Bill	$7,634 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Jul 2021 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-10-303-007`

Property Details

APN / Parcel Number

Primary APN	`06-10-303-007`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,850 sqft Living Area
Gross Area	3,700 sqft
1st Floor Area	1,850 sqft
Basement Area	1,850 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Brick
Construction Type	Frame
Lot Area	11,280 sqft (0.259 acres)
Lot Width	90 ft Width
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	705 CAROL AVE
City	ELGIN
State	IL
Zip	60123-2617
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ANDRESEN BROS EAGLE HEIGHTS UNIT 2 LOT 17 BLOCK 7
Legal Subdivision	EAGLE HEIGHTS
Legal Block	7
Legal Lot Number	17
Legal Unit	2-17
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1021
Census Tract	851909

Owner

705 Carol Ave is owned and occupied by an individual who bought it in November 2021.

Source: Kane County records, as of July 23, 2026

Owner of Record	Individual Name on File
Mailing Address	705 CAROL AVE, ELGIN, IL 60123-2617
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2021	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Jul 6, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage KANE COUNTY TEACHERS CU
May 5, 2021	Deed of Trust, Mortgage · VA Mortgage WINTRUST MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 5, 2021 · Amount on File
Deed Sale	Nov 5, 2021 · Amount on File
Prior Sale	Nov 9, 2011 · Amount on File
Deed Document Number	202183824
Record Updated	Oct 29, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Nov 5, 2021
Property Address	705 CAROL AVE, ELGIN, IL 60123-2617
Document Number	0000083824
Instrument Date	Oct 25, 2021
Instrument	2021K083824
Transaction Type	Transfer
Record Updated	Nov 16, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$313.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	705 CAROL AVE, ELGIN, IL 60123-2617

Mortgage

Document Number	0000083825
Date	Nov 5, 2021
Instrument	2021K083825

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

Interest

Rate	3.12%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	705 CAROL AVE, ELGIN, IL 60123-2617
Transaction Type	Mortgage
Record Updated	Jul 21, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000051756
Date	Jul 6, 2021
Instrument	2021K051756

Lender

Name	KANE COUNTY TEACHERS CU
Type	Credit Union
Address	ELGIN, IL 60123

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	82 Months
Due	May 16, 2028

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	705 CAROL AVE, ELGIN, IL 60123-2617
Transaction Type	Mortgage
Record Updated	May 17, 2021
Title Company	GREATER ILLINOIS TITLE COMPANY, GIT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000035274
Date	May 5, 2021
Instrument	2021K035274

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.76%

Tax Assessment & Valuation

The 2025 property tax bill for 705 Carol Ave was $7,634 with a homeowner's exemption.

Source: Kane County assessment roll, as of July 23, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,634.00 Homeowner's exemption	$108,776 (+8.57%) Land $27,258 Building $81,518	$326,459 (+8.57%) Land $81,807 Building $244,652
2024		$100,189 Land $25,106 Building $75,083	$300,687 Land $75,348 Building $225,339
2022	$6,589.00 Homeowner's exemption	$82,532 (+7.66%) Land $20,681 Building $61,851	$247,596 (+7.66%) Land $62,043 Building $185,553
2021		$76,660 Land $19,335 Building $57,325	$229,980 Land $58,005 Building $171,975

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

FEMA maps place 705 Carol Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 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.

Wildfire

Wildfire risk around 705 Carol Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 264 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
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: T-Mobile.

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