14 S Union St, Elgin, IL 60123 Property Records

Kane County property record for 14 S Union St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,133 sqft · built 1958
Lot Size	0.17 acres (7,392 sqft)
Owner	Individual Name on Record
Last Sale	$134,500 (May 2010)
Tax Bill	$7,588 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Jan 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-14-330-018`

Property Details

APN / Parcel Number

Primary APN	`06-14-330-018`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,133 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	7,392 sqft (0.17 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	14 S UNION ST
City	ELGIN
State	IL
Zip	60123-6224
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STOLT & EGNER SUB- LOT 6
Legal Subdivision	STOLT&EGNER SUB
Legal Block	2
Legal Lot Number	6
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2007
Census Tract	851101

Owner

Source: Kane County records, as of July 23, 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 Record
Mailing Address	14 S UNION ST, ELGIN, IL 60123-6224
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2026	Deed of Trust, Mortgage · Line of Credit U S BANK N A
Jan 13, 2020	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jan 13, 2020	Deed of Trust, Mortgage · Closed-End Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 20, 2010 · Amount on Record
Deed Sale	May 20, 2010 · Amount on Record
Prior Sale	Nov 16, 2009
Deed Document Number	201032546
Prior Transfer Date	Feb 3, 2010
Prior Transfer Doc	0000032545
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	Jun 17, 2026
Property Address	14 S UNION ST, ELGIN, IL 60123-6224
Document Number	0000025169
Instrument Date	Jun 2, 2026
Instrument	202625169
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14 S UNION ST, ELGIN, IL 60123-6224

Mortgage

Document Number	0000025169,
Date	Jun 17, 2026
Instrument	202625169

Lender

Name	U S BANK N A

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 13, 2056

Interest

Rate	6.37%
Max Rate	-1%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	14 S UNION ST, ELGIN, IL 60123-6224
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002166
Date	Jan 13, 2020
Instrument	2020K002166

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Dec 20, 2049

Interest

Rate Type	Adjustable Rate
Rate	7.15%
Change Frequency	Monthly

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	14 S UNION ST, ELGIN, IL 60123-6224
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002133
Date	Jan 13, 2020
Instrument	2020K002133

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 1, 2040

Interest

Rate	4.19%

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,588.00 (+15.85%) Homeowner's exemption	$107,466 (+8.57%) Land $16,529 Building $90,937	$322,527 (+8.57%) Land $49,607 Building $272,920
2024		$98,983 (+21.39%) Land $15,224 Building $83,759	$297,068 (+21.44%) Land $45,690 Building $251,378
2022	$6,550.00 (+4.55%) Homeowner's exemption	$81,539 (+6.96%) Land $12,541 Building $68,998	$244,617 (+6.96%) Land $37,623 Building $206,994
2021	$6,265.00 Homeowner's exemption	$76,233 Land $11,725 Building $64,508	$228,699 Land $35,175 Building $193,524

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 637 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
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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