707 Hill Ave, Elgin, IL 60120 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,378 sqft · built 1991
Lot Size	0.106 acres (4,614 sqft)
Owner	Individual Name on File
Last Sale	$51,799 (Jul 2013)
Tax Bill	$5,452 (2025)
Deeds & Mortgages	Aug 2021 Line of Credit May 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-12-403-025`

Property Details

APN / Parcel Number

Primary APN	`06-12-403-025`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,378 sqft Living Area
Gross Area	1,820 sqft
1st Floor Area	1,378 sqft
Basement Area	442 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Construction Type	Frame
Lot Area	4,614 sqft (0.106 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	707 HILL AVE
City	ELGIN
State	IL
Zip	60120-3978
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MCBRIDES HEIRS 2ND ADDN BLOCK 5 LOT 6 (EXCEPT THE SOUTH 62.09 FT)
Legal Subdivision	MCBRIDES HEIRS 2ND ADDN
Legal Block	5
Legal Lot Number	6
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3025
Census Tract	850800

Owner

707 Hill Ave is owned and occupied by an individual who acquired it in September 2023.

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

Owner of Record	Individual Name on File
Mailing Address	707 HILL AVE, ELGIN, IL 60120-3978
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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
Aug 9, 2021	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA
May 14, 2026	Quit Claim Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 12, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Jun 28, 2022	Intrafamily Transfer, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP
Jun 18, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 5, 2013 · Amount on File
Deed Sale	Jul 5, 2013 · Amount on File
Prior Sale	Apr 9, 2012
Deed Document Number	201349322
Last Transfer Date	Sep 7, 2023
Transfer Doc	0000031854
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	707 HILL AVE, ELGIN, IL 60120-3978
Transaction Type	Mortgage
Record Updated	May 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	707 HILL AVE, ELGIN, IL 60120-3978

Mortgage

Document Number	0000060646
Date	Aug 9, 2021
Instrument	2021K060646

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 4, 2051

Interest

Rate	4.14%

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	May 14, 2026
Property Address	707 HILL AVE, ELGIN, IL 60120-3978
Document Number	0000019897
Instrument Date	Mar 25, 2026
Instrument	202619897
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	POST CLOSING

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	707 HILL AVE, ELGIN, IL 60120-3978

Mortgage

Document Number	0000019898,
Date	May 14, 2026
Instrument	202619898

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.63%
Initial Type	Fixed Rate
Max Rate	-1%

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Sep 12, 2023
Property Address	707 HILL AVE, ELGIN, IL 60120-3978
Document Number	0000031854
Instrument Date	Sep 7, 2023
Instrument	2023K031854
Transaction Type	Transfer
Record Updated	Sep 20, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	707 HILL AVE, ELGIN, IL 60120-3978

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Jun 28, 2022
Property Address	707 HILL AVE, ELGIN, IL 60120-3978
Document Number	0000033415
Instrument Date	Jun 13, 2022
Instrument	2022K033415
Transaction Type	Transfer
Record Updated	Jul 4, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	707 HILL AVE, ELGIN, IL 60120-3978

Mortgage

Document Number	0000033416
Date	Jun 28, 2022
Instrument	2022K033416

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

Interest

Rate	5.25%

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Jun 18, 2021
Property Address	707 HILL AVE, ELGIN, IL 60120-3978
Document Number	0000046794
Instrument Date	Jun 17, 2021
Instrument	2021K046794
Transaction Type	Transfer
Record Updated	Jul 9, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	707 HILL AVE, ELGIN, IL 60120-3978

Tax Assessment & Valuation

The 2025 property tax bill for 707 Hill Ave was $5,452, up 4.5% from the year before.

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	$5,452.00 (+4.5%)	$79,468 (+8.57%) Land $14,691 Building $64,777	$238,499 (+8.57%) Land $44,091 Building $194,409
2024	$5,217.00	$73,195 Land $13,531 Building $59,664	$219,673 Land $40,609 Building $179,064
2022	$4,708.00 (-6.38%) Homeowner's exemption	$60,295 (+6.96%) Land $11,146 Building $49,149	$180,885 (+6.96%) Land $33,438 Building $147,447
2021	$5,029.00	$56,372 Land $10,421 Building $45,951	$169,116 Land $31,263 Building $137,853

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 707 Hill Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2007.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (2007–2008)
Most Recent Claim	Sep 2008 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Sep 2008 · 2 claims

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

The area around 707 Hill Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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 587 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 · Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile.

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