977 Stephen Ave, Elgin, IL 60123 Property Records

Kane County property record for 977 Stephen Ave, Elgin, IL 60123 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	2 Baths
Year Built	Built 1966
Square Footage	1,658 sqft Living Area
Lot Size	10,530 sqft (0.242 acres)
Occupancy	Owner Occupied
Last Sale	$235,000 (2019)
Tax Bill	$7,241.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`06-09-230-001`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	1,658 sqft Living Area
Gross Area	3,316 sqft Gross Area
1st Floor	1,658 sqft 1st Floor
Basement Area	1,658 sqft Basement
Stories	1 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Construction Type	Frame Construction
Lot Area	10,530 sqft (0.242 acres)
Depth X Width	130 ft x 81 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage

Utilities and HVAC

Cooling System	HVAC Cooling

Location & Zoning

Street Address	977 STEPHEN AVE
City	ELGIN
State	IL
Zip	60123-1937
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	ANDRESEN BROS EAGLE HEIGHTS UNIT 5 (EXCEPT NORTH 9.22 FT) LOT 14 BLOCK 14
Legal Subdivision	EAGLE HEIGHTS
Legal Block	14
Legal Lot Number	14
Legal Unit	5
Jurisdiction	KANE IL
Minor Civil Division	ELGIN
Census Blockgroup	3
Census Block	3005
Census Tract	851910

Owner

Source: Kane County records · APN 06-09-230-001

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	2 Individual Names on File
Mailing Address	977 STEPHEN AVE, ELGIN, IL 60123-1937
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Tenant By Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 30, 2019 · Amount on Record
Deed Sale	Apr 30, 2019 · Amount on Record
Prior Sale	May 20, 2013 · Amount on Record
Deed Doc Number	201916848
Prior Transfer Date	Jul 23, 2007
Prior Transfer Doc	0000081439
Record Refreshed	Sep 20, 2026

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 30, 2019
Property Address	977 STEPHEN AVE, ELGIN, IL 60123-1937
Document Number	0000016848
Instrument Date	Feb 28, 2019
Instrument	16848
Transaction Type	Transfer
Record Updated	May 10, 2019
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$352.50
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	977 STEPHEN AVE ELGIN IL 601231937, ELGIN, IL 60123-1937

Mortgage

Document Number	16849
Date	Apr 30, 2019
Instrument	16849

Lender

Name	MICHIGAN MUTUAL
Type	Funding / Finance Company
Address	PORT HURON, MI 48060

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 29, 2049

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	$7,241.00 (+15.84%) Homeowner's exemption
2024		$94,796 (+21.39%) Land $25,673 Building $69,123	$284,502 (+21.44%) Land $77,050 Building $207,452
2022	$6,251.00 (+4.57%) Homeowner's exemption	$78,090 (+6.96%) Land $21,149 Building $56,941	$234,270 (+6.96%) Land $63,447 Building $170,823
2021	$5,978.00 Homeowner's exemption	$73,009 Land $19,773 Building $53,236	$219,027 Land $59,319 Building $159,708