731 Cedar Ave, Elgin, IL 60120 Property Records

Kane County property record for 731 Cedar Ave, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,406 sqft · built 1927
Lot Size	0.171 acres (7,458 sqft)
Owner	2 Company Names on Record
Last Sale	$270,000 (Sep 2022)
Tax Bill	$6,545 (2025)
Deeds & Mortgages	Apr 2026 Sale Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-12-329-004`

Property Details

APN / Parcel Number

Primary APN	`06-12-329-004`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,406 sqft Living Area
Gross Area	2,812 sqft
1st Floor Area	1,406 sqft
Basement Area	1,406 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Exterior Material	Brick
Lot Area	7,458 sqft (0.171 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	731 CEDAR AVE
City	ELGIN
State	IL
Zip	60120-3812
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LINCOLN ADD - LOT 4 BLK 2
Legal Subdivision	LINCOLN ADD
Legal Block	2
Legal Lot Number	4
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	5
Census Block	5011
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 Company Names on Record
Mailing Address	731 CEDAR AVE, ELGIN, IL 60120-3812
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
Sep 28, 2022	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2022 · Amount on Record
Deed Sale	Sep 28, 2022 · Amount on Record
Prior Sale	Apr 26, 1996 · Amount on Record
Deed Document Number	202248042
Last Transfer Date	Mar 30, 2026
Transfer Doc	0000014718
Record Updated	Oct 29, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	Apr 13, 2026
Property Address	731 CEDAR AVE, ELGIN, IL 60120-3812
Document Number	0000014718
Instrument Date	Mar 30, 2026
Instrument	202614718
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	731 CEDAR AVE, ELGIN, IL 60120-3812

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 28, 2022
Property Address	731 CEDAR AVE, ELGIN, IL 60120-3812
Document Number	0000048042
Instrument Date	Sep 21, 2022
Instrument	2022K048042
Transaction Type	Transfer
Record Updated	Oct 5, 2022
Title Company	LAKESHORE TITLE AGENCY, LAKEAHORE TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	731 CEDAR AVE, ELGIN, IL 60120-3812

Mortgage

Document Number	0000048043
Date	Sep 28, 2022
Instrument	2022K048043

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2037

Interest

Rate Type	Fixed Rate
Rate	5.5%

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	$6,545.00 (+4.34%) Homeowner's exemption	$93,795 (+8.57%) Land $17,519 Building $76,276	$281,498 (+8.57%) Land $52,578 Building $228,920
2024	$6,273.00 (+136.36%)	$86,391 (+21.39%) Land $16,136 Building $70,255	$259,277 (+21.44%) Land $48,427 Building $210,849
2022	$2,654.00 (-2.82%) Homeowner's exemption	$71,167 (+6.96%) Land $13,293 Building $57,874	$213,501 (+6.96%) Land $39,879 Building $173,622
2021	$2,731.00 Homeowner's exemption	$66,536 Land $12,428 Building $54,108	$199,608 Land $37,284 Building $162,324

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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