728 Cedar Ave, Elgin, IL 60120 Property Records

Kane County property record for 728 Cedar Ave, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,564 sqft · built 1920
Lot Size	0.224 acres (9,742 sqft)
Owner	Individual Name on File
Last Sale	$149,000 (Apr 2016)
Tax Bill	$6,308 (2025)
Deeds & Mortgages	Sep 2018 Mortgage Sep 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`06-12-328-012`

Property Details

APN / Parcel Number

Primary APN	`06-12-328-012`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,564 sqft Living Area
Gross Area	2,346 sqft
Basement Area	782 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Construction Type	Frame
Lot Area	9,742 sqft (0.224 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	728 CEDAR AVE
City	ELGIN
State	IL
Zip	60120-3813
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LINCOLN ADDN LOT 3 BLOCK 3
Legal Subdivision	LINCOLN ADDN
Legal Block	3
Legal Lot Number	3
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	5
Census Block	5012
Census Tract	850800

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 File
Mailing Address	728 CEDAR AVE, ELGIN, IL 60120-3813
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2018	Deed of Trust, Mortgage · FHA Mortgage SECRETARY/HSNG & URBAN DEV
Sep 13, 2018	Loan Modification, Mortgage · Conventional Mortgage PLANET HM LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 26, 2016 · Amount on File
Deed Sale	Apr 26, 2016 · Amount on File
Deed Document Number	201619628
Record Updated	Oct 29, 2026

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	728 CEDAR AVE, ELGIN, IL 60120-3813
Document Number	0000047675
Instrument Date	Sep 13, 2018
Transaction Type	Mortgage
Record Updated	Oct 10, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	728 CEDAR AVE ELGIN IL 601203813, ELGIN, IL 60120-3813

Mortgage

Document Number	0000047675
Date	Oct 1, 2018
Instrument	47675

Lender

Name	SECRETARY/HSNG & URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 30, 2048

September 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KANE IL
Property Address	728 CEDAR AVE, ELGIN, IL 60120-3813
Document Number	0000047674
Instrument Date	Sep 13, 2018
Transaction Type	Mortgage
Record Updated	Jan 15, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	728 CEDAR AVE ELGIN IL 601203813, ELGIN, IL 60120-3813

Mortgage

Document Number	0000047674
Date	Oct 1, 2018
Instrument	47674

Lender

Name	PLANET HM LNDG
Address	MERIDEN, CT 06450

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 30, 2048

Interest

Rate	4.87%

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	$6,308.00 (+15.83%) Homeowner's exemption	$90,692 (+8.57%) Land $21,929 Building $68,763	$272,185 (+8.57%) Land $65,813 Building $206,372
2024		$83,533 (+21.39%) Land $20,198 Building $63,335	$250,699 (+21.44%) Land $60,618 Building $190,081
2022	$5,446.00 (+4.65%) Homeowner's exemption	$68,811 (+6.96%) Land $16,638 Building $52,173	$206,433 (+6.96%) Land $49,914 Building $156,519
2021	$5,204.00 Homeowner's exemption	$64,333 Land $15,555 Building $48,778	$192,999 Land $46,665 Building $146,334

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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