726 Center St, Elgin, IL 60120 Property Records

Kane County property record for 726 Center St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,074 sqft · built 1900
Lot Size	0.227 acres (9,900 sqft)
Owner	2 Individual Names on Record
Last Sale	$205,000 (Jun 2006)
Tax Bill	$5,623 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit Dec 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-12-301-009`

Property Details

APN / Parcel Number

Primary APN	`06-12-301-009`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	5 Stories
Building Area	1,074 sqft Living Area
Gross Area	1,790 sqft
Basement Area	716 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	9,900 sqft (0.227 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	726 CENTER ST
City	ELGIN
State	IL
Zip	60120-3719
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PLEASANT VIEW ADDN LOT 8
Legal Subdivision	PLEASANT VIEW ADDN
Legal Block	2
Legal Lot Number	8
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2018
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	726 CENTER ST, ELGIN, IL 60120-3719
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2024	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF OMAHA
Dec 29, 2023	Quit Claim Deed, Transfer Quitclaim
Aug 23, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage KANE COUNTY TEACHERS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 7, 2006 · Amount on Record
Deed Sale	Jun 7, 2006 · Amount on Record
Prior Sale	Oct 8, 1998 · Amount on Record
Deed Document Number	200661004
Last Transfer Date	Jul 26, 2023
Transfer Doc	0000045391
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	726 CENTER ST, ELGIN, IL 60120-3719
Transaction Type	Mortgage
Record Updated	Feb 6, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003082
Date	Jan 30, 2024
Instrument	2024K003082

Lender

Name	FIRST NATIONAL BANK OF OMAHA
Type	Bank
Address	OMAHA, NE 68197

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	8.5%
Change Frequency	Monthly
Max Rate	18%

December 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Dec 29, 2023
Property Address	726 CENTER ST, ELGIN, IL 60120-3719
Document Number	0000045391
Instrument Date	Jul 26, 2023
Instrument	2023K045391
Transaction Type	Transfer
Record Updated	Jan 8, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2180 CHERRY AVE, HANOVER PARK, IL 60133-3575

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	726 CENTER ST, ELGIN, IL 60120-3719

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	726 CENTER ST, ELGIN, IL 60120-3719
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	GREATER ILLINOIS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000038607
Date	Aug 23, 2019
Instrument	2019K038607

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	56 Months
Due	Apr 27, 2024

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	$5,623.00 (+15.82%)	$81,709 (+8.57%) Land $20,726 Building $60,983	$245,225 (+8.57%) Land $62,203 Building $183,022
2024		$75,259 (+21.4%) Land $19,090 Building $56,169	$225,867 (+21.44%) Land $57,293 Building $168,574
2022	$4,855.00 (+4.75%) Homeowner's exemption	$61,995 (+6.96%) Land $15,725 Building $46,270	$185,985 (+6.96%) Land $47,175 Building $138,810
2021	$4,635.00 Homeowner's exemption	$57,961 Land $14,702 Building $43,259	$173,883 Land $44,106 Building $129,777

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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