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439 North Liberty Street

439 North Liberty Street, Elgin, IL 60120
Property in Lords Park
Sold Jun 22, 2016
$142,000
$139,428 by Fairway Independent Mortgage C
Mortgage Due Jun 01, 2046
Sold Jun 21, 2007
$205,000
$164,000 by Bank Of America Na
Mortgage Due Jul 01, 2047
Local assessors in Elgin, IL have categorized 439 North Liberty Street as a residential type of property. The home was built in 1930 and is 94 years old. The property's lot size has been calculated to be 8,712 square feet. The linear feet between the front and back of the lot was measured at 1,320 ft and the front of the lot was measured at 660 ft. Now, let's dive a bit deeper into the details surrounding the home on the property. There are 7 rooms in the home. Of these, 3 have been legally categorized as bedrooms. For more details, please view your local government regulations on what counts as a legal bedroom. As for the restroom situation, there is one full bathroom. There are also 2 partial bathrooms. This is a 2 story home so residents will need to have climb at least one set of stairs on a daily basis. If we look only at the heated or air conditioned part of the building, then 439 North Liberty Street has a total of 1,586 sqft of living area. Note that this number does not include the square footage of the garage, basement, and/or porch into its calculations.

Curious to learn more about the home? Our team of data engineers have sourced the most up-to-date information from the local assessors office to share with you. The home sources its water from a municipal system. Additional features on the property are as follows. There is a detached garage for those who need a place to park their vehicle. There is only one available parking space, so if you need more, you may need to find some alternatives. It might sound scary but did you know that buildings can move depending on the weather? Both hot and cold weather can have severe impact on the longevity of your home structure depending on how much your home moves. Hence why architects pay a lot of attention to the type of control joints used in the construction process. Just so you know, this home was built with frame control joints. Residents rely on air conditioning for their cooling system. Here at RealtyHop, we've focused a lot of our efforts into gathering up-to-date and accurate data for our users. Based on our sources, 439 North Liberty Street was last sold in May 31, 2016 for $142,000. According to our calculations, that's $57.75 per sqft. Prior to that sales transaction, the property was sold for $205,000 in Jun 14, 2007. Current property owners are expected to pay $5,507 in taxes per year. The property on 439 North Liberty Street was last assessed in 2022. As a result of that assessment, the total value of the property was placed at $69,507. To break that down further, the land itself was valued at $15,628. While improvements to the property were assessed at a total of $53,879. Based on our records, the total assessed value for this property has been marked as less than the total market value as of this moment. Which is great for tax purposes. As you can see, there are a lot of things to consider when purchasing a home. For example, have you evaluated your own Debt-To-Income ratio (DTI) and understood how this may impact the number of loan options you have access to? Don't worry, we'll cover the basics such as what a DTI ratio is, how to calculate yours, what most lenders consider to be an ideal ratio, and also provide our tips on how you can improve your score if it is on the higher side.This property is not listed for sale at this point in time but RealtyHop is constantly updating our inventory of available sales listings in real time. Don't want to miss out on this property? You can save the listing to your favorites by signing up for a RealtyHop account or you can check back frequently for updates.

This property description is generated based on publicly available data.

Building Info

Overview

    General

  • Year Built: 1930
  • Effective Year Built: 1930
  • Building Count: 1
  • Total Rooms: 7
  • Bedroom Count: 3
  • Bathroom Count: 2
  • Full Bathrooms: 1
  • Partial Bathrooms: 2
  • Construction Type: Frame
  • Floor Count: 2
  • Living Units: 1
  • Basement Type: Unspecified basement
  • Basement Area: 873
  • Garage Type: Detached
  • Parking Space Count: 1

    Dimensions

  • Lot Size Square Feet: 8,712
  • Lot Size Depth Feet: 1,320
  • Lot Size Frontage Feet: 660
  • Total Building Area: 2,459
  • Gross Building Area: 2,459
  • Building Area: 1,586
  • Building Area Measurement: Living Area

    Heating and Cooling

  • Air Conditioning: Yes
  • Heating: unknown
  • Heated Square Feet: 1,586
  • Heating Fuel Type: unknown

    Utilities

  • Sewer System: unknown
  • Water Service: Municipal

Building

  • Property Class: Residential
  • Subdivision: HIGHLAND PARK ADDN
  • Land Acres: 0.2
  • Standard Land Use Code: Single family residential
  • Legal Description 1: HIGHLAND PARK ADDN NORTH 1/2 LOTS 15 & 16 BLOCK 2

Ownership

  • Current Owner : MUNOZ JONATHAN G
  • Previous Owner : LOPEZ ARMANDO
  • Previous Owner 2: LOPEZ ANA
  • Owner Before Previous Owner: STIEHL HANS
  • Is Owner Occupied: Owner-occupied property

Neighborhood

  • School District Name: School District U-46
  • Census Tract: 850800

Geography

  • Parcel: 06-12-482-001
  • Block: 2
  • Lot: 15,16
  • Municipality: ELGIN
  • Latitude: 42.0456
  • Longitude: -88.2674

    Address

  • Full Address: 439 N Liberty St
  • Address - House Number: 439
  • Street Direction: N
  • Address - Street Name: Liberty
  • Address - Suffix Type: St
  • State: IL
  • City Name: Elgin
  • Carrier Code: C028
  • 4-Digit Zip Code: 4268
  • Zip Code: 60120

Valuation

    Tax

  • Tax Year: 2022
  • Tax Amount: $5,507
  • Tax Rate Code Area: EL005

    Appraisal Valuation

  • Standard Deviation: 0.1389
  • Valuation Date: Nov 29, 2023
  • Confidence Score: 83
  • Final Value: 268,776
  • High Value: 306,110
  • Low Value: 231,442

    Open Liens

  • Total Open Liens: 2
  • Total Open Liens Amount: $143,856
  • First Open Lien Mortgage Lender: FAIRWAY INDEPENDENT MORTGAGE C
  • First Open Lien Mortgage Recording Date: Jun 22, 2016
  • First Open Lien Mortgage Loan Amount: $139,428
  • First Open Lien Mortgage Term: 360
  • First Open Lien Mortgage Position: 1
  • First Open Lien Mortgage Loan Type: FHA
  • First Open Lien Mortgage Loan Due Date: Jun 01, 2046
  • Second Open Lien Mortgage Lender: SECRETARY/HOUSING & URBAN DEV
  • Second Open Lien Mortgage Recording Date: Nov 03, 2023
  • Second Open Lien Mortgage Loan Amount: $4,428
  • Second Open Lien Mortgage Term: 270
  • Second Open Lien Mortgage Position: 2
  • Second Open Lien Mortgage Loan Type: FHA
  • Second Open Lien Mortgage Loan Due Date: Jun 01, 2046

    Market Valuation

  • Market Total Value: $208,604
  • Market Land Value: $46,903
  • Market Improvement Value: $161,702

    Assessments Valuation

  • Assessed Year: 2022
  • Assessed Total Value: $69,507
  • Assessed Land Value: $15,628
  • Assessed Improvements Value: $53,879

    Exemptions

  • Homeowner Exemption: Yes

    Sales

  • Current Sale Contract Date: May 31, 2016
  • Current Sale Recording Date: Jun 22, 2016
  • Current Sale Transaction ID: 1634818233
  • Current Sale Price: $142,000
  • Current Sale Document Type: Warranty Deed
  • Current Sale Input Document Number: 2016K031335
  • Previous Sale Recording Date: Jun 21, 2007
  • Previous Sale Contract Date: Jun 14, 2007
  • Previous Sale Amount: $205,000
  • Previous Sale Document Type: Warranty Deed

    Last Sale Mortgage

  • First Mortgage Lender: FAIRWAY INDEPENDENT MORTGAGE C
  • First Mortgage Transaction Date: Jun 22, 2016
  • First Mortgage Loan Amount: $139,428
  • First Mortgage Terms: 360
  • First Mortgage Loan Type: FHA
  • First Mortgage Loan Due Date: Jun 01, 2046

    Previous Mortgages

  • Previous Mortgage Lender: BANK OF AMERICA NA
  • Previous Mortgage Transaction Date: Jun 21, 2007
  • Previous Mortgage Financing Type: Adjustable Rate
  • Previous Mortgage Loan Amount: $164,000
  • Previous Mortgage Term: 480
  • Previous Mortgage Loan Type: Purchase Money Mortgage
  • Previous Mortgage Loan Due Date: Jul 01, 2047

About Southeast Elgin



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Frequently Asked Questions

What neighborhood is 439 North Liberty Street located in?
The 439 North Liberty Street is a located in the neighborhood of Lords Park in Southeast Elgin, Elgin.
What is the average sales price for listings in 439 North Liberty Street?
The average sales price for units in 439 North Liberty Street is $0 currently.

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