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125 Oak St, Elgin, IL 60123 Property Records

Kane County property record for 125 Oak St, Elgin, IL 60123

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,756 sqft · built 1900
Lot Size0.235 acres (10,230 sqft)
OwnerIndividual Name on Record
Last Sale$277,000 (Jan 2023)
Tax Bill$5,157 (2025)
Deeds & MortgagesAug 2026 Mortgage
Jan 2023 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN06-24-152-003

Property Details

APN / Parcel Number

Primary APN06-24-152-003

Interior

Bedrooms4 Beds
Full Baths2 Baths
Total Rooms8 Rooms
Stories2 Stories
Building Area1,756 sqft Living Area
Gross Area2,634 sqft
Basement Area878 sqft

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 1900
Construction TypeFrame
Lot Area10,230 sqft (0.235 acres)

Location & Zoning

Street Address125 OAK ST
CityELGIN
StateIL
Zip60123-7759
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionWALTER L PEASES SUB LOT 30 B W RAYMONDS 2ND ADDN LOT 9
Legal SubdivisionWALTER L PEASES SUB
Legal BlockW
Legal Lot Number30,9
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group3
Census Block3004
Census Tract851600

Owner

Source: Kane County records, as of September 2, 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 RecordIndividual Name on Record
Mailing Address125 OAK ST, ELGIN, IL 60123-7759
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 25, 2026Deed of Trust, Mortgage · FHA Mortgage
FIRST AMERICAN TITLE
Jan 6, 2023Warranty Deed, Transfer · FHA Mortgage
SUN WEST MORTGAGE COMPANY INC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 6, 2023 · Amount on Record
Deed SaleJan 6, 2023 · Amount on Record
Prior SaleMay 15, 2013 · Amount on Record
Deed Document Number2023522
Prior Transfer DateNov 16, 2012
Prior Transfer Doc0000024718
Record UpdatedOct 29, 2026

August 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Recording DateAug 25, 2026
Property Address125 OAK ST, ELGIN, IL 60123-7759
Document Number0000036755
Instrument DateJul 28, 2026
Instrument202636755
Transaction TypeMortgage
Record UpdatedSep 9, 2026
Title CompanyFIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address125 OAK ST, ELGIN, IL 60123-7759

Mortgage

Document Number0000036755,
DateAug 25, 2026
Instrument202636755
Lender
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term317 Months
DueJan 1, 2053
Interest
Max Rate-1%

January 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateJan 6, 2023
Property Address125 OAK ST, ELGIN, IL 60123-7759
Document Number0000000522
Instrument DateDec 6, 2022
Instrument2023K000522
Transaction TypeTransfer
Record UpdatedJan 13, 2023
Title CompanyFIDELITY NATIONAL TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$277.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address125 OAK ST, ELGIN, IL 60123-7759

Transferred To (Grantee/Buyer)

NameVerified Name
Address125 OAK ST, ELGIN, IL 60123-7759

Mortgage

Document Number0000000523
DateJan 6, 2023
Instrument2023K000523
Lender
NameSUN WEST MORTGAGE COMPANY INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJan 1, 2053
Interest
Rate TypeFixed Rate
Rate6.5%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionElgin Township
MunicipalityElgin City
Unified School DistrictSchool District U-46 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,157.00 (+11.5%)$75,608 (+8.57%) Land $17,264 Building $58,344$226,915 (+8.57%) Land $51,813 Building $175,102
2024$69,640 (+30.55%) Land $15,901 Building $53,739$209,004 (+30.61%) Land $47,722 Building $161,282
2022$4,625.00 (+3.96%)$53,342 (+6.96%) Land $13,098 Building $40,244$160,026 (+6.96%) Land $39,294 Building $120,732
2021$4,449.00$49,871 Land $12,246 Building $37,625$149,613 Land $36,738 Building $112,875

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

Source: FEMA National Flood Hazard Layer, effective October 8, 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire RiskNot rated
no burnable land within 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 SystemELGIN
serves 114,797 people · EPA ID IL0894380
Water SourceSurface water
Last State InspectionAug 2025
Lead19 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting8
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 385 locations within half a mile, as of December 31, 2025

ProviderMax 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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