731 W Highland Ave, Elgin, IL 60123 Property Records

Kane County property record for 731 W Highland Ave, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,735 sqft · built 1900
Lot Size	0.375 acres (16,379 sqft)
Owner	2 Individual Names on Record
Last Sale	$190,000 (Aug 2022)
Tax Bill	$5,719 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-14-328-003`

Property Details

APN / Parcel Number

Primary APN	`06-14-328-003`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	5 Stories
Building Area	1,735 sqft Living Area
Gross Area	2,643 sqft
Basement Area	908 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	16,379 sqft (0.375 acres)
Lot Width	80 ft Width

Location & Zoning

Street Address	731 W HIGHLAND AVE
City	ELGIN
State	IL
Zip	60123-5309
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COUNTY CLERKS SUB 117 EXCEPT EAST PT BEING 14.6 FT ON SOUTH LINE & 0 FT ON NORTH LINE & S WILCOXS ADD EAST PART LOT 9 (BEING 14.4 FT ON NORTH LINE & 18 FT ON SOUTH LINE) & EAST 18 FT LOT 9
Legal Subdivision	COUNTY CLERKS SUB
Legal Block	2
Legal Lot Number	9
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2004
Census Tract	851101

Owner

Source: Kane County records, as of July 21, 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	627 VILLA ST, 2, ELGIN, IL 60120-6798
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2022	Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Sep 6, 2019	Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2022 · Amount on Record
Deed Sale	Aug 9, 2022 · Amount on Record
Prior Sale	Sep 6, 2019 · Amount on Record
Deed Document Number	202240331
Prior Transfer Date	Oct 7, 2009
Prior Transfer Doc	0000076371
Record Updated	Sep 20, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 9, 2022
Property Address	731 W HIGHLAND AVE, ELGIN, IL 60123-5309
Document Number	0000040331
Instrument Date	Jul 26, 2022
Instrument	2022K040331
Transaction Type	Transfer
Record Updated	Aug 17, 2022
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$190.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	627 VILLA ST APT 2, 2, ELGIN, IL 60120-6798

Mortgage

Document Number	0000040332
Date	Aug 9, 2022
Instrument	2022K040332

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

Interest

Rate	6.62%

September 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	Sep 6, 2019
Property Address	731 W HIGHLAND AVE, ELGIN, IL 60123-5309
Document Number	0000041143
Instrument Date	Aug 29, 2019
Instrument	2019K041143
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$115.00
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 W HIGHLAND AVE, ELGIN, IL 60123-5309

Mortgage

Document Number	0000041144
Date	Sep 6, 2019
Instrument	2019K041144

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2049

Interest

Rate	4.33%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of December 26, 2025

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	$5,719.00 (+15.82%) Homeowner's exemption
2024		$76,422 (+21.39%) Land $18,185 Building $58,237	$229,358 (+21.44%) Land $54,577 Building $174,781
2022	$4,938.00 (+4.73%) Homeowner's exemption	$62,954 (+6.96%) Land $14,980 Building $47,974	$188,862 (+6.96%) Land $44,940 Building $143,922
2021	$4,715.00 Homeowner's exemption	$58,857 Land $14,005 Building $44,852	$176,571 Land $42,015 Building $134,556

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 381 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
Fox Valley Internet Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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