721 Adams St, Elgin, IL 60123 Property Records

Kane County property record for 721 Adams St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,478 sqft · built 1985
Lot Size	0.28 acres (12,179 sqft)
Owner	Individual Name on Record
Last Sale	$370,000 (Jul 2025)
Tax Bill	$8,409 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-23-184-014`

Property Details

APN / Parcel Number

Primary APN	`06-23-184-014`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,478 sqft Living Area
Gross Area	2,956 sqft
1st Floor Area	1,478 sqft
Basement Area	1,478 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Ranch
Construction Type	Frame
Lot Area	12,179 sqft (0.28 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	721 ADAMS ST
City	ELGIN
State	IL
Zip	60123-7449
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W H WILCOXS 3RD ADD WEST 1/2 LOT 3 BLK 4
Legal Subdivision	W H WILCOXS 3RD ADD
Legal Block	4
Legal Lot Number	3
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4018
Census Tract	851600

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	721 ADAMS ST, ELGIN, IL 60123-7449
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jan 25, 2024	Deed of Trust, Mortgage · FHA Mortgage SUN WEST MORTGAGE COMPANY INC
Aug 6, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Mar 17, 2021	Deed of Trust, Mortgage · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORP
Oct 12, 2018	Deed of Trust, Mortgage · FHA Mortgage PARKSIDE LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 25, 2025 · Amount on Record
Deed Sale	Jul 25, 2025 · Amount on Record
Prior Sale	May 13, 2011 · Amount on Record
Deed Document Number	202527778
Prior Transfer Date	Apr 29, 2011
Prior Transfer Doc	0000038329
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	721 ADAMS ST, ELGIN, IL 60123-7449
Transaction Type	Mortgage
Record Updated	Jan 31, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002570
Date	Jan 25, 2024
Instrument	2024K002570

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	CERRITOS, CA 90703

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

Interest

Rate Type	Fixed Rate
Rate	5.87%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	721 ADAMS ST, ELGIN, IL 60123-7449
Transaction Type	Mortgage
Record Updated	Aug 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000060311
Date	Aug 6, 2021
Instrument	2021K060311

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	346 Months
Due	Jun 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.75%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	721 ADAMS ST, ELGIN, IL 60123-7449
Transaction Type	Mortgage
Record Updated	Apr 1, 2021
Title Company	NOVAS TITLE COMPANY LLC, NOVAS TITLE CO LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021192
Date	Mar 17, 2021
Instrument	2021K021192

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Jun 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.25%

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	721 ADAMS ST, ELGIN, IL 60123-7449
Document Number	0000053357
Instrument Date	Oct 12, 2018
Transaction Type	Mortgage
Record Updated	Nov 14, 2018
Title Company	NOVAS TITLE COMPANY LLC, NOVAS TITLE CO LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	721 ADAMS ST ELGIN IL 601237449, ELGIN, IL 60123-7449

Mortgage

Document Number	0000053357
Date	Nov 1, 2018
Instrument	53357

Lender

Name	PARKSIDE LNDG
Address	SAN FRANCISCO, CA 94102

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 31, 2048

Interest

Rate Type	Fixed Rate
Rate	5%

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	$8,409.00 (+15.86%)	$118,233 (+8.57%) Land $22,447 Building $95,786	$354,841 (+8.57%) Land $67,368 Building $287,473
2024		$108,900 (+21.39%) Land $20,675 Building $88,225	$326,831 (+21.44%) Land $62,050 Building $264,781
2022	$7,258.00 (+4.48%) Homeowner's exemption	$89,708 (+6.96%) Land $17,031 Building $72,677	$269,124 (+6.96%) Land $51,093 Building $218,031
2021	$6,947.00 Homeowner's exemption	$83,871 Land $15,923 Building $67,948	$251,613 Land $47,769 Building $203,844

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 578 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 Fixed Wireless · DSL	100 / 20

May also be available: T-Mobile.

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