904 Illinois Ave, Elgin, IL 60120 Property Records

Kane County property record for 904 Illinois Ave, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	1 ba · 864 sqft · built 1956
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$152,500 (Apr 2019)
Tax Bill	$3,929 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Apr 2022 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`06-24-481-010`

Property Details

APN / Parcel Number

Primary APN	`06-24-481-010`

Interior

Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
Gross Area	1,728 sqft
1st Floor Area	864 sqft
Basement Area	864 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Construction Type	Frame
Lot Area	6,534 sqft (0.15 acres)

Location & Zoning

Street Address	904 ILLINOIS AVE
City	ELGIN
State	IL
Zip	60120-8434
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINZLAR ADDN LOT 2 BLOCK 6
Legal Subdivision	WINZLAR ADDN
Legal Block	6
Legal Lot Number	2
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1018
Census Tract	851400

Owner

904 Illinois Ave is owned and occupied by an individual who bought it in April 2019.

Source: Kane County records, as of October 19, 2026

Owner of Record	Individual Name on File
Mailing Address	904 ILLINOIS AVE, ELGIN, IL 60120-8434
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Apr 18, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Apr 10, 2019	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 10, 2019 · Amount on File
Deed Sale	Apr 10, 2019 · Amount on File
Deed Document Number	201913813
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	904 ILLINOIS AVE, ELGIN, IL 60120-8434
Transaction Type	Mortgage
Record Updated	Mar 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	904 ILLINOIS AVE, ELGIN, IL 60120-8434

Mortgage

Document Number	0000008204
Date	Mar 17, 2023
Instrument	2023K008204

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	481 Months
Due	Apr 1, 2063

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	904 ILLINOIS AVE, ELGIN, IL 60120-8434
Transaction Type	Mortgage
Record Updated	Apr 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	904 ILLINOIS AVE, ELGIN, IL 60120-8434

Mortgage

Document Number	0000020584
Date	Apr 18, 2022
Instrument	2022K020584

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	EDGEWOOD, MD 21040

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 10, 2019
Property Address	904 ILLINOIS AVE, ELGIN, IL 60120-8434
Document Number	0000013813
Instrument Date	Mar 18, 2019
Instrument	2019K013813
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$152.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	904 ILLINOIS AVE, ELGIN, IL 60120-8434

Mortgage

Document Number	0000013814
Date	Apr 10, 2019
Instrument	2019K013814

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 904 Illinois Ave was $3,929 with a homeowner's exemption, up 4.9% from the year before.

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	$3,929.00 (+4.89%) Homeowner's exemption	$59,513 (+8.57%) Land $12,121 Building $47,392	$178,610 (+8.57%) Land $36,378 Building $142,233
2024	$3,746.00	$54,815 Land $11,164 Building $43,651	$164,511 Land $33,505 Building $131,005
2022	$3,395.00 (+5.08%) Homeowner's exemption	$45,155 (+6.96%) Land $9,197 Building $35,958	$135,465 (+6.96%) Land $27,591 Building $107,874
2021	$3,231.00 Homeowner's exemption	$42,217 Land $8,599 Building $33,618	$126,651 Land $25,797 Building $100,854

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

FEMA maps place 904 Illinois Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File 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

The area around 904 Illinois Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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 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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