714 Center St, Elgin, IL 60120 Property Records

Kane County property record for 714 Center St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,320 sqft · built 1920
Lot Size	0.13 acres (5,665 sqft)
Owner	Individual Name on File
Last Sale	$170,000 (Sep 2018)
Tax Bill	$5,639 (2025)
Deeds & Mortgages	Jan 2020 Mortgage Sep 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-12-301-012`

Property Details

APN / Parcel Number

Primary APN	`06-12-301-012`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,320 sqft Living Area
Gross Area	1,980 sqft
Basement Area	660 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Construction Type	Frame
Lot Area	5,665 sqft (0.13 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	714 CENTER ST
City	ELGIN
State	IL
Zip	60120-3719
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PLEASANT VIEW ADDN SOUTH 55 FT EAST 103 FT OF LOT 10
Legal Subdivision	PLEASANT VIEW ADDN
Legal Block	2
Legal Lot Number	10
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2018
Census Tract	850800

Owner

714 Center St is owned and occupied by an individual who bought it in September 2018.

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

Owner of Record	Individual Name on File
Mailing Address	714 CENTER ST, ELGIN, IL 60120-3719
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
Jan 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMPASS MORTGAGE INC
Sep 19, 2018	Warranty Deed, Transfer · Conventional Mortgage COMPASS MORTGAGE INC
Apr 10, 2018	Warranty Deed, Transfer · Construction Mortgage JUDITH WALSBERG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 19, 2018 · Amount on File
Deed Sale	Sep 19, 2018 · Amount on File
Prior Sale	Apr 10, 2018 · Amount on File
Deed Document Number	201845917
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	714 CENTER ST, ELGIN, IL 60120-3719
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CARRINGTON TTL PARTNERS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002589
Date	Jan 14, 2020
Instrument	2020K002589

Lender

Name	COMPASS MORTGAGE INC
Type	Mortgage Company
Address	WARRENVILLE, IL 60555

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.75%

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 19, 2018
Property Address	714 CENTER ST, ELGIN, IL 60120-3719
Document Number	0000045917
Instrument Date	Aug 30, 2018
Instrument	2018K045917
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$170.00
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
Address	714 CENTER ST, ELGIN, IL 60120-3719

Mortgage

Document Number	0000045918
Date	Sep 19, 2018
Instrument	2018K045918

Lender

Name	COMPASS MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2048

Mortgage

Document Number	0000045919
Date	Sep 19, 2018
Instrument	2018K045919

Lender

Name	UNITED STATES OF AMERICA
Type	Government Agency
Address	CHICAGO, IL 60601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 10, 2018
Property Address	714 CENTER ST, ELGIN, IL 60120-3719
Document Number	0000016140
Instrument Date	Mar 8, 2018
Instrument	16140
Transaction Type	Transfer
Record Updated	Apr 20, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$112.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3933 75TH ST #102B AURORA IL 605048014, 102B, AURORA, IL 60504-8014

Mortgage

Document Number	16141
Date	Apr 10, 2018
Instrument	16141

Lender

Name	JUDITH WALSBERG
Address	303 SLADE AVE, AURORA, IL
Special Notes	Seller Financed

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Apr 9, 2019

Tax Assessment & Valuation

The 2025 property tax bill for 714 Center St was $5,639 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	$5,639.00 Homeowner's exemption	$81,916 (+8.57%) Land $15,127 Building $66,789	$245,846 (+8.57%) Land $45,399 Building $200,447
2024		$75,450 Land $13,933 Building $61,517	$226,441 Land $41,816 Building $184,625
2022	$4,869.00 (+4.75%) Homeowner's exemption	$62,153 (+6.96%) Land $11,477 Building $50,676	$186,459 (+6.96%) Land $34,431 Building $152,028
2021	$4,648.00 Homeowner's exemption	$58,108 Land $10,730 Building $47,378	$174,324 Land $32,190 Building $142,134

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 714 Center St in Zone X, an area of minimal flood risk.

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

The area around 714 Center St 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 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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