Kane County property record for 149 S Porter St, Elgin, IL 60120
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,480 sqft · built 1890 |
| Lot Size | 0.142 acres (6,166 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $148,000 (Apr 2018) |
| Tax Bill | $4,542 (2025) |
| Deeds & Mortgages | Nov 2025 Line of Credit Jan 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-13-405-014 |
| Primary APN | 06-13-405-014 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 1,480 sqft Living Area |
| Gross Area | 2,360 sqft |
| Basement Area | 880 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Construction Type | Frame |
| Lot Area | 6,166 sqft (0.142 acres) |
| Street Address | 149 S PORTER ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-5899 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MILTON S TOWNSENDS SUB OF LOT 4 JAMES DAVIDSONS ADDN WEST 1/2 EXCEPT SOUTH 7 FT LOT 5 |
| Legal Subdivision | JAMES DAVIDSONS ADDN |
| Legal Block | 2 |
| Legal Lot Number | 4,5 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 851400 |
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 | 149 S PORTER ST, ELGIN, IL 60120-5899 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 20, 2025 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Jan 18, 2022 | Deed of Trust, Mortgage · FHA Mortgage MUTUAL OF OMAHA MORTGAGE INC |
| Apr 3, 2018 | Trustee's Deed, Foreclosure · FHA Mortgage WINTRUST MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 3, 2018 · Amount on Record |
| Deed Sale | Apr 3, 2018 · Amount on Record |
| Deed Document Number | 201815010 |
| Prior Transfer Date | Mar 27, 2018 |
| Prior Transfer Doc | 0000015010 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 149 S PORTER ST, ELGIN, IL 60120-5899 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|---|
| Address | 9N655 FLCRA DR, ELGIN, IL 60123-6720 |
| Document Number | 0000046116 |
|---|---|
| Date | Nov 20, 2025 |
| Instrument | 2025K046116 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | Dec 1, 2065 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 149 S PORTER ST, ELGIN, IL 60120-5899 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Title Company | TIMIOS INC |
| Name | Verified Name |
|---|
| Document Number | 0000003343 |
|---|---|
| Date | Jan 18, 2022 |
| Instrument | 2022K003343 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 352 Months |
| Due | May 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.75% |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Apr 3, 2018 |
| Property Address | 149 S PORTER ST, ELGIN, IL 60120-5899 |
| Document Number | 0000015010 |
| Instrument Date | Mar 27, 2018 |
| Instrument | 2018K015010 |
| Transaction Type | Foreclosure |
| Record Updated | Jul 27, 2021 |
| Title Company | ATTORNEYS TITLE GUARANTY FUN |
| Amount | Amount Recorded |
|---|---|
| Tax | $148.00 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 149 SPUTUR DT, ELGIN, IL 60120 |
| Document Number | 0000015011 |
|---|---|
| Date | Apr 3, 2018 |
| Instrument | 2018K015011 |
| Name | WINTRUST MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2048 |
| Rate | 5.5% |
|---|
| Document Number | 0000015012 |
|---|---|
| Date | Apr 3, 2018 |
| Instrument | 2018K015012 |
| Name | ILLINOIS HOUSING DEVELOPMENT AUTHORITY |
|---|---|
| Type | Government Agency |
| Address | CHICAGO, IL 60601 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $4,542.00 (+25.82%) Homeowner's exemption | $67,537 (+8.57%) Land $15,292 Building $52,245 | $202,692 (+8.57%) Land $45,894 Building $156,798 |
| 2024 | $62,206 (+30.58%) Land $14,085 Building $48,121 | $186,693 (+30.63%) Land $42,272 Building $144,421 | |
| 2022 | $3,610.00 (+5%) Homeowner's exemption | $47,640 (+6.96%) Land $11,603 Building $36,037 | $142,920 (+6.96%) Land $34,809 Building $108,111 |
| 2021 | $3,438.00 Homeowner's exemption | $44,540 Land $10,848 Building $33,692 | $133,620 Land $32,544 Building $101,076 |
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.
Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 94% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 520 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 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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