79 S Commonwealth Ave, Elgin, IL 60123 Property Records

Kane County property record for 79 S Commonwealth Ave, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,573 sqft · built 1900
Lot Size	0.152 acres (6,600 sqft)
Owner	Individual Name on File
Last Sale	$144,000 (Dec 2007)
Tax Bill	$4,873 (2025)
Deeds & Mortgages	Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-14-352-011`

Property Details

APN / Parcel Number

Primary APN	`06-14-352-011`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,573 sqft Living Area
1st Floor Area	1,573 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	6,600 sqft (0.152 acres)
Lot Dimensions	132 ft deep x 50 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Window A/C
Water Source	Commercial

Location & Zoning

Street Address	79 S COMMONWEALTH AVE
City	ELGIN
State	IL
Zip	60123-6157
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WASHINGTON HEIGHTS ADDN LOT 10 BLOCK 19
Legal Subdivision	ASHINGTON HEIGHTS ADDN
Legal Block	19
Legal Lot Number	10
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3007
Census Tract	851101

Owner

Source: Kane County records · APN 06-14-352-011

Assessment roll updated August 25, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	79 S COMMONWEALTH AVE, ELGIN, IL 60123-6157
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 10, 2007 · Amount on Record
Deed Sale	Dec 10, 2007 · Amount on Record
Prior Sale	Mar 16, 2001 · Amount on Record
Deed Document Number	2007120518
Prior Transfer Date	Oct 28, 1994
Prior Transfer Doc	0000080468
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	79 S COMMONWEALTH AVE, ELGIN, IL 60123-6157
Transaction Type	Mortgage
Record Updated	Apr 20, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027811
Date	Apr 09, 2021
Instrument	2021K027811

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	5028

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	211 Months
Due	Nov 01, 2038

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,873.00 (+15.8%) Homeowner's exemption
2024		$66,207 (+21.39%) Land $14,313 Building $51,894	$198,700 (+21.44%) Land $42,956 Building $155,744
2022	$4,208.00 (+4.86%) Homeowner's exemption	$54,539 (+6.96%) Land $11,791 Building $42,748	$163,617 (+6.96%) Land $35,373 Building $128,244
2021	$4,013.00 Homeowner's exemption	$50,990 Land $11,024 Building $39,966	$152,970 Land $33,072 Building $119,898

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 637 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Radiate Holdings Cable	1,500 / 50
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	ELGIN serves 114,797 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.