Kane County property record for 114 Harding St, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,584 sqft · built 1900 |
| Lot Size | 0.17 acres (7,392 sqft) |
| Owner | Individual Name on File |
| Last Sale | $220,000 (Jun 2001) |
| Tax Bill | $6,656 (2025) |
| Deeds & Mortgages | Nov 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-24-152-011 |
| Primary APN | 06-24-152-011 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,584 sqft Living Area |
| Gross Area | 3,876 sqft |
| Basement Area | 1,292 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Construction Type | Frame |
| Lot Area | 7,392 sqft (0.17 acres) |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 114 HARDING ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-7771 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | W H HINTZES SUB LOTS 3, 4, 5, 6, 7, 8, 9, & 10 OF HARDINGS RE-SUB OF LOT 32 OF B W RAYMONDS 2ND ADDN LOT 5 |
| Legal Subdivision | W H HINTZES SUB |
| Legal Block | 3 |
| Legal Lot Number | 3-10, |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 851600 |
114 Harding St is owned and occupied by an individual who acquired it in January 2016.
Source: Kane County records, as of July 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 114 HARDING ST, ELGIN, IL 60123-7771 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 5, 2001 · Amount on File |
| Deed Sale | Jun 5, 2001 · Amount on File |
| Prior Sale | Aug 30, 2000 · Amount on File |
| Deed Document Number | 200153032 |
| Last Transfer Date | Jan 13, 2016 |
| Transfer Doc | 0000003305 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 114 HARDING ST, ELGIN, IL 60123-7771 |
| Transaction Type | Mortgage |
| Record Updated | Dec 2, 2021 |
| Name | Verified Name |
|---|---|
| Address | 114 HARDING ST 1, 1, ELGIN, IL 60123-7771 |
| Document Number | 0000087192 |
|---|---|
| Date | Nov 19, 2021 |
| Instrument | 2021K087192 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Nov 15, 2061 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 114 Harding St was $6,656 with a homeowner's exemption.
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,656.00 Homeowner's exemption | $95,258 (+8.57%) Land $15,416 Building $79,842 | $285,888 (+8.57%) Land $46,267 Building $239,622 |
| 2024 | $87,739 Land $14,199 Building $73,540 | $263,322 Land $42,614 Building $220,708 | |
| 2022 | $5,269.00 (+4.67%) Homeowner's exemption | $66,770 (+6.96%) Land $11,697 Building $55,073 | $200,310 (+6.96%) Land $35,091 Building $165,219 |
| 2021 | $5,034.00 Homeowner's exemption | $62,425 Land $10,936 Building $51,489 | $187,275 Land $32,808 Building $154,467 |
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.
FEMA maps place 114 Harding St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 8, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 114 Harding St 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 385 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 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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