96-98 Belle Ave, Elgin, IL 60123 Property Records

Kane County property record for 96-98 Belle Ave, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,880 sqft · built 1940
Lot Size	0.801 acres (34,875 sqft)
Owner	2 Individual Names on File
Last Sale	$263,000 (Feb 2022)
Tax Bill	$7,103 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-11-127-010`

Property Details

APN / Parcel Number

Primary APN	`06-11-127-010`

Interior

Full Baths	2 Baths
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,880 sqft Living Area
Gross Area	4,458 sqft
Basement Area	1,578 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Construction Type	Frame
Lot Area	34,875 sqft (0.801 acres)
Lot Width	198 ft Width
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	96 BELLE AVE, 98
City	ELGIN
State	IL
Zip	60123-2141
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SADLERS ADDN LOTS 8, 9, 10 & 11 & SOUTH 132 FT OF VACATED STREET BETWEEN LOTS 2 & 3 BLOCK 2
Legal Subdivision	SADLERS ADDN
Legal Block	3
Legal Lot Number	8-11
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3055
Census Tract	851000

Owner

96-98 Belle Ave is owned and occupied by two individuals who bought it in February 2022.

Source: Kane County records, as of July 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	96 BELLE AVE, 98, ELGIN, IL 60123-2141
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 24, 2022 · Amount on File
Deed Sale	Feb 24, 2022 · Amount on File
Prior Sale	Jan 20, 1999 · Amount on File
Deed Document Number	202210692
Prior Transfer Date	Feb 21, 2022
Prior Transfer Doc	0000010692
Record Updated	Oct 29, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Feb 24, 2022
Property Address	96-98 BELLE AVE, ELGIN, IL 60123
Document Number	0000010692
Instrument Date	Feb 21, 2022
Instrument	2022K010692
Transaction Type	Transfer
Record Updated	Aug 29, 2023
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$263.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	96 BELLE AVE # 98, 98, ELGIN, IL 60123-2141

Mortgage

Document Number	0000010693
Date	Feb 24, 2022
Instrument	2022K010693

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

Interest

Rate Type	Fixed Rate
Rate	3.5%

Tax Assessment & Valuation

The 2025 property tax bill for 96-98 Belle Ave was $7,103 with a homeowner's exemption.

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	$7,103.00 Homeowner's exemption	$101,375 (+8.57%) Land $19,984 Building $81,391	$304,247 (+8.57%) Land $59,976 Building $244,271
2024		$93,373 Land $18,407 Building $74,966	$280,231 Land $55,243 Building $224,988
2022	$6,131.00 (+4.57%) Homeowner's exemption	$76,917 (+6.96%) Land $15,163 Building $61,754	$230,751 (+6.96%) Land $45,489 Building $185,262
2021	$5,863.00 Homeowner's exemption	$71,912 Land $14,176 Building $57,736	$215,736 Land $42,528 Building $173,208

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 96-98 Belle Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearby Flood Policies	6 in force
Nearby Flood Claims	6 (1985–2017)
Most Recent Claim	Dec 2017 · rainfall accumulation

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

Wildfire risk around 96-98 Belle Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 79% 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 68 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