153 S Chapel St, Elgin, IL 60120 Property Records

Kane County property record for 153 S Chapel St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,482 sqft · built 1920
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on Record
Last Sale	$219,000 (Dec 2021)
Tax Bill	$4,985 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-13-376-001`

Property Details

APN / Parcel Number

Primary APN	`06-13-376-001`

Interior

Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,482 sqft Living Area
Gross Area	2,223 sqft
Basement Area	741 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Brick
Construction Type	Frame
Lot Area	4,792 sqft (0.11 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	153 S CHAPEL ST
City	ELGIN
State	IL
Zip	60120-6553
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	O DAVIDSONS HEIRS SUB OF A PART OF BLOCK 8 JAMES T GIFFORDS ADDN LOT 1
Legal Subdivision	JAMES T GIFFORDS ADDN
Legal Block	8
Legal Lot Number	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2047
Census Tract	854600

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Elgin Historic District listed 1983 · 327 contributing resources · NRIS 83000318

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	2 Individual Names on Record
Mailing Address	153 S CHAPEL ST, ELGIN, IL 60120-6553
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2021 · Amount on Record
Deed Sale	Dec 23, 2021 · Amount on Record
Deed Document Number	202195009
Prior Transfer Date	May 16, 2003
Prior Transfer Doc	0000084067
Record Updated	Sep 20, 2026

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	Dec 23, 2021
Property Address	153 S CHAPEL ST, ELGIN, IL 60120-6553
Document Number	0000095009
Instrument Date	Dec 13, 2021
Instrument	2021K095009
Transaction Type	Transfer
Record Updated	Jan 3, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$219.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	153 S CHAPEL ST, ELGIN, IL 60120-6553

Mortgage

Document Number	0000095010
Date	Dec 23, 2021
Instrument	2021K095010

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate
Rate	3.25%

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	$4,985.00 (+15.8%) Homeowner's exemption	$73,351 (+8.57%) Land $13,968 Building $59,383	$220,141 (+8.57%) Land $41,921 Building $178,220
2024		$67,561 (+21.39%) Land $12,865 Building $54,696	$202,764 (+21.44%) Land $38,610 Building $164,154
2022	$4,305.00 (-7.26%) Homeowner's exemption	$55,655 (+6.96%) Land $10,598 Building $45,057	$166,965 (+6.96%) Land $31,794 Building $135,171
2021	$4,642.00	$52,033 Land $9,908 Building $42,125	$156,099 Land $29,724 Building $126,375

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	2 (2007–2013)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Apr 2013 · Severe Storms, Straight-line Winds, And Flooding

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.

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 515 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Fox Valley Internet, T-Mobile.

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