826 Duncan Ave, Elgin, IL 60120 Property Records

Kane County property record for 826 Duncan Ave, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,966 sqft · built 1900
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (Oct 2023)
Tax Bill	$6,715 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Oct 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-12-256-016`

Property Details

APN / Parcel Number

Primary APN	`06-12-256-016`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,966 sqft Living Area
Gross Area	2,927 sqft
Basement Area	961 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	826 DUNCAN AVE
City	ELGIN
State	IL
Zip	60120-3083
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GRAND VIEW ADDN LOT 12 BLOCK 8
Legal Subdivision	GRAND VIEW ADDN
Legal Block	8
Legal Lot Number	12
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	5
Census Block	5009
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	Individual Name on Record
Mailing Address	803 DOGWOOD LN, LAKE IN THE HILLS, IL 60156-4651
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2026	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF OMAHA
Oct 17, 2023	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Oct 5, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Jul 7, 2022	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Dec 19, 2018	Quit Claim Deed, Transfer TICOR TITLE, TT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 17, 2023 · Amount on Record
Deed Sale	Oct 17, 2023 · Amount on Record
Prior Sale	Jul 7, 2022 · Amount on Record
Deed Document Number	202336365
Prior Transfer Date	Aug 1, 2023
Prior Transfer Doc	0000034833
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	Apr 27, 2026
Property Address	826 DUNCAN AVE, ELGIN, IL 60120-3083
Document Number	0000016887
Instrument Date	Apr 20, 2026
Instrument	202616887
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner, 167
Address	826 DUNCAN AVE, ELGIN, IL 60120-3083
Investor	Possibly a Property Investor

Mortgage

Document Number	0000016887,
Date	Apr 27, 2026
Instrument	202616887

Lender

Name	FIRST NATIONAL BANK OF OMAHA

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.22%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 17, 2023
Property Address	826 DUNCAN AVE, ELGIN, IL 60120-3083
Document Number	0000036365
Instrument Date	Oct 2, 2023
Instrument	2023K036365
Transaction Type	Transfer
Record Updated	Oct 25, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$260.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	826 DUNCAN AVE, ELGIN, IL 60120-3083

Mortgage

Document Number	0000036366
Date	Oct 17, 2023
Instrument	2023K036366

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

Interest

Rate Type	Fixed Rate
Rate	7.49%

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Oct 5, 2023
Property Address	826 DUNCAN AVE, ELGIN, IL 60120-3083
Document Number	0000034833
Instrument Date	Aug 1, 2023
Instrument	2023K034833
Transaction Type	Transfer
Record Updated	Oct 13, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	773 E NEW YORK ST, AURORA, IL 60505-3632

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 7, 2022
Property Address	826 DUNCAN AVE, ELGIN, IL 60120-3083
Document Number	0000035019
Instrument Date	Jun 30, 2022
Instrument	2022K035019
Transaction Type	Transfer
Record Updated	Jul 13, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$215.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	826 DUNCAN AVE, ELGIN, IL 60120-3083

Mortgage

Document Number	0000035020
Date	Jul 7, 2022
Instrument	2022K035020

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

Interest

Rate Type	Fixed Rate
Rate	6.25%

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Dec 19, 2018
Property Address	826 DUNCAN AVE, ELGIN, IL 60120-3083
Document Number	0000060901
Instrument Date	Oct 12, 2018
Instrument	60901
Transaction Type	Transfer
Record Updated	Jan 7, 2019
Title Company	TICOR TITLE, TT

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	25 ORIOLE CT NAPERVILLE IL 605408008, NAPERVILLE, IL 60540-8008

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	$6,715.00 (+3.5%)	$88,024 (+8.57%) Land $19,613 Building $68,411	$264,178 (+8.57%) Land $58,863 Building $205,315
2024	$6,488.00 (+20.55%)	$81,076 (+30.62%) Land $18,065 Building $63,011	$243,325 (+30.67%) Land $54,217 Building $189,109
2022	$5,382.00 (+3.96%)	$62,069 (+6.96%) Land $14,881 Building $47,188	$186,207 (+6.96%) Land $44,643 Building $141,564
2021	$5,177.00	$58,030 Land $13,913 Building $44,117	$174,090 Land $41,739 Building $132,351

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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