857 Illinois Ave, Elgin, IL 60120 Property Records

Kane County property record for 857 Illinois Ave, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,380 sqft · built 1884
Lot Size	0.177 acres (7,705 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,597 (2025)
Deeds & Mortgages	Jul 2017 Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-24-478-002`

Property Details

APN / Parcel Number

Primary APN	`06-24-478-002`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,380 sqft Living Area
Gross Area	2,184 sqft
Basement Area	804 sqft

Exterior

Year Built	Built 1884
Effective Year Built	Effective 1884
Construction Type	Frame
Lot Area	7,705 sqft (0.177 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	857 ILLINOIS AVE
City	ELGIN
State	IL
Zip	60120-8361
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINZLAR ADDN LOT 15 BLOCK 2
Legal Subdivision	WINZLAR ADDN
Legal Block	2
Legal Lot Number	15
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1014
Census Tract	851400

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 Individual Names on Record
Mailing Address	857 ILLINOIS AVE, ELGIN, IL 60120-8361
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2017	Deed of Trust, Mortgage · Commercial Mortgage ASSOCIATED BANK NA
Feb 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC
Apr 30, 2020	Intrafamily Transfer, Transfer TIMIOS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Sep 5, 2019
Transfer Doc	0000021740
Record Updated	Sep 20, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	857 ILLINOIS AVE, ELGIN, IL 60120-8361
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036728
Date	Jul 17, 2017
Instrument	2017K036728

Lender

Name	ASSOCIATED BANK NA
Type	Bank
Address	STEVENS POINT, WI 54481

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jun 17, 2047

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	857 ILLINOIS AVE, ELGIN, IL 60120-8361
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008010
Date	Feb 13, 2020
Instrument	2020K008010

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	176 Months
Due	Oct 1, 2034

Interest

Rate Type	Fixed Rate
Rate	3.62%

April 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Apr 30, 2020
Property Address	857 ILLINOIS AVE, ELGIN, IL 60120-8361
Document Number	0000021740
Instrument Date	Sep 5, 2019
Instrument	2020K021740
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	TIMIOS INC

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
Relationship	Tenants by the Entirety
Address	857 ILLINOIS AVE, ELGIN, IL 60120-8361

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	$4,597.00 (+13.14%) Homeowner's exemption Senior Citizen's exemption	$76,263 (+8.57%) Land $13,715 Building $62,548	$228,881 (+8.57%) Land $41,161 Building $187,719
2024		$70,243 (+21.39%) Land $12,632 Building $57,611	$210,813 (+21.44%) Land $37,911 Building $172,902
2022	$4,063.00 (+5.67%) Homeowner's exemption	$57,864 (+6.96%) Land $10,406 Building $47,458	$173,592 (+6.96%) Land $31,218 Building $142,374
2021	$3,845.00 Homeowner's exemption	$54,099 Land $9,729 Building $44,370	$162,297 Land $29,187 Building $133,110

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	102 (1979–2020)
Claims Outside the SFHA	11 of 102
Most Recent Claim	May 2020 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 14 claims Severe Storms And Flooding, Sep 2008 · 35 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.8% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 270 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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