707 Cedar Ave, Elgin, IL 60120 Property Records

Kane County property record for 707 Cedar Ave, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,420 sqft · built 1915
Lot Size	0.171 acres (7,458 sqft)
Owner	2 Individual Names on Record
Last Sale	$210,000 (Aug 2017)
Tax Bill	$7,635 (2025)
Deeds & Mortgages	Aug 2017 Mortgage Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-12-329-009`

Property Details

APN / Parcel Number

Primary APN	`06-12-329-009`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,420 sqft Living Area
Gross Area	2,485 sqft
1st Floor Area	1,420 sqft
Basement Area	1,065 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Construction Type	Frame
Lot Area	7,458 sqft (0.171 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	707 CEDAR AVE
City	ELGIN
State	IL
Zip	60120-3812
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LINCOLN ADDN LOT 14 BLOCK 2
Legal Subdivision	LINCOLN ADDN
Legal Block	2
Legal Lot Number	14
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	5
Census Block	5011
Census Tract	850800

Owner

Source: Kane County records, as of July 23, 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 Record
Mailing Address	707 CEDAR AVE, ELGIN, IL 60120-3812
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 8, 2017	Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BK
Aug 9, 2017	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2017 · Amount on Record
Deed Sale	Aug 9, 2017 · Amount on Record
Prior Sale	Nov 6, 2015 · Amount on Record
Deed Document Number	201741471
Prior Transfer Date	Oct 21, 2014
Prior Transfer Doc	0000060354
Record Updated	Oct 29, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	707 CEDAR AVE, ELGIN, IL 60120-3812
Document Number	0000030347
Instrument Date	Aug 8, 2017
Transaction Type	Mortgage
Record Updated	Jul 24, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	707 CEDAR AVE ELGIN IL 601203812, ELGIN, IL 60120-3812

Mortgage

Document Number	0000030347
Date	Jul 16, 2019
Instrument	30347

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	156 Months
Due	Jul 15, 2032

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 9, 2017
Property Address	707 CEDAR AVE, ELGIN, IL 60120-3812
Document Number	0000041471
Instrument Date	Aug 5, 2017
Instrument	2017K041471
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$210.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	707 CEDAR AVE, ELGIN, IL 60120-3812

Mortgage

Document Number	0000041472
Date	Aug 9, 2017
Instrument	2017K041472

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2032

Tax Assessment & Valuation

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	$7,635.00 (+15.95%)	$100,090 (+8.57%) Land $17,519 Building $82,571	$300,390 (+8.57%) Land $52,578 Building $247,812
2024		$92,189 (+21.39%) Land $16,136 Building $76,053	$276,678 (+21.44%) Land $48,427 Building $228,250
2022	$6,585.00 (+3.96%)	$75,943 (+6.96%) Land $13,293 Building $62,650	$227,829 (+6.96%) Land $39,879 Building $187,950
2021	$6,334.00	$71,001 Land $12,428 Building $58,573	$213,003 Land $37,284 Building $175,719

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 October 8, 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 592 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
AT&T DSL	100 / 20

May also be available: Verizon.

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