Kane County property record for 980 Stephen Ave, Elgin, IL 60123 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2.5 Baths |
| Year Built | Built 1966 |
| Square Footage | 1,852 sqft Living Area |
| Lot Size | 9,144 sqft (0.21 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $235,000 (2018) |
| Tax Bill | $7,636.00 (2025) |
Source: Kane County records · APN 06-09-229-024
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 | Individual Name on File |
|---|---|
| Mailing Address | 980 STEPHEN AVE, ELGIN, IL 60123-1938 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 16, 2022 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage MIDFIRST BANK |
| Feb 23, 2022 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage MIDLAND MORTGAGE |
| Mar 31, 2021 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage MIDLAND MORTGAGE |
| Aug 16, 2018 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage LOANDEPOT.COM LLC |
| Aug 22, 2018 | Warranty Deed, Transfer OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 22, 2018 · Amount on Record |
| Deed Sale | Aug 22, 2018 · Amount on Record |
| Prior Sale | Jul 29, 2003 · Amount on Record |
| Deed Doc Number | 201841204 |
| Prior Transfer Date | Aug 17, 2007 |
| Prior Transfer Doc | 0000094639 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 980 STEPHEN AVE, ELGIN, IL 60123-1938 |
| Transaction Type | Mortgage |
| Record Updated | Dec 27, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 980 STEPHEN AVE, ELGIN, IL 60123-1938 |
| Document Number | 0000058988 |
|---|---|
| Date | Dec 16, 2022 |
| Instrument | 2022K058988 |
| Name | MIDFIRST BANK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 309 Months |
| Due | Sep 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 980 STEPHEN AVE, ELGIN, IL 60123-1938 |
| Transaction Type | Mortgage |
| Record Updated | Mar 01, 2022 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 980 STEPHEN AVE, ELGIN, IL 60123-1938 |
| Document Number | 0000010576 |
|---|---|
| Date | Feb 23, 2022 |
| Instrument | 2022K010576 |
| Name | MIDLAND MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 319 Months |
| Due | Sep 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 980 STEPHEN AVE, ELGIN, IL 60123-1938 |
| Transaction Type | Mortgage |
| Record Updated | Apr 08, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000025099 |
|---|---|
| Date | Mar 31, 2021 |
| Instrument | 2021K025099 |
| Name | MIDLAND MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 330 Months |
| Due | Sep 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 980 STEPHEN AVE, ELGIN, IL 60123-1938 |
| Document Number | 0000041205 |
| Instrument Date | Aug 16, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2019 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE |
| Name | Verified Name |
|---|---|
| Address | 980 STEPHEN AVE ELGIN IL 601231938, ELGIN, IL 60123-1938 |
| Document Number | 0000041205 |
|---|---|
| Date | Aug 22, 2018 |
| Instrument | 41205 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 21, 2048 |
| Rate | 4.87% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Aug 22, 2018 |
| Property Address | 980 STEPHEN AVE, ELGIN, IL 60123-1938 |
| Document Number | 0000041204 |
| Instrument Date | Aug 08, 2018 |
| Instrument | 41204 |
| Transaction Type | Transfer |
| Record Updated | Sep 03, 2018 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $352.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 980 STEPHEN AVE #AVT ELGIN IL 601231938, ELGIN, IL 60123-1938 |
Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
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 | $7,636.00 (+15.85%) Homeowner's exemption | ||
| 2024 | $99,564 (+21.39%) Land $24,998 Building $74,566 | $298,812 (+21.44%) Land $75,024 Building $223,788 | |
| 2022 | $6,591.00 (+4.54%) Homeowner's exemption | $82,018 (+6.96%) Land $20,593 Building $61,425 | $246,054 (+6.96%) Land $61,779 Building $184,275 |
| 2021 | $6,305.00 Homeowner's exemption | $76,681 Land $19,253 Building $57,428 | $230,043 Land $57,759 Building $172,284 |
Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 06-09-229-024 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 7 Rooms |
| Building Area | 1,852 sqft Living Area |
| Gross Area | 2,566 sqft Gross Area |
| Basement Area | 714 sqft Basement |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 1966 |
| Construction Type | Frame Construction |
| Foundation Type | No Foundation Foundation |
| Lot Area | 9,144 sqft (0.21 acres) |
| Depth X Width | 127 ft x 72 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Cooling System | HVAC Cooling |
|---|
| Street Address | 980 STEPHEN AVE |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-1938 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | ANDRESEN BROS EAGLE HEIGHTS UNIT 5 LOT 21 BLOCK 15 |
| Legal Subdivision | EAGLE HEIGHTS |
| Legal Block | 15 |
| Legal Lot Number | 21 |
| Legal Unit | 5-21 |
| Jurisdiction | KANE IL |
| Minor Civil Division | ELGIN |
| Census Blockgroup | 3 |
| Census Block | 3004 |
| Census Tract | 851910 |
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