154 Oak St, Elgin, IL 60123 Property Records

Kane County property record for 154 Oak St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 825 sqft · built 1957
Lot Size	0.126 acres (5,479 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Aug 2006)
Tax Bill	$3,697 (2025)
Deeds & Mortgages	Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-24-103-017`

Property Details

APN / Parcel Number

Primary APN	`06-24-103-017`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	825 sqft Living Area
Gross Area	1,650 sqft
1st Floor Area	825 sqft
Basement Area	825 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	5,479 sqft (0.126 acres)
Lot Dimensions	63 ft deep x 87 ft wide
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	154 OAK ST
City	ELGIN
State	IL
Zip	60123-7760
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LORDS SUB LOTS 20, 22, 24, 26, & 28 OF B W RAYMONDS 2ND ADDN EASTERLY 80.8 FT EXCEPT PART OF BOOK 1806/216 LOT 8 BLOCK 3
Legal Subdivision	LORDS SUB
Legal Block	3
Legal Lot Number	8
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3000
Census Tract	851600

Owner

Source: Kane County records, as of July 21, 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	154 OAK ST, ELGIN, IL 60123-7760
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 7, 2006 · Amount on Record
Deed Sale	Aug 7, 2006 · Amount on Record
Deed Document Number	200685728
Last Transfer Date	Jan 12, 2021
Transfer Doc	0000014105
Record Updated	Sep 20, 2026

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Feb 23, 2021
Property Address	154 OAK ST, ELGIN, IL 60123-7760
Document Number	0000014105
Instrument Date	Jan 12, 2021
Instrument	2021K014105
Transaction Type	Transfer
Record Updated	Jul 27, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	154 OAK ST, 154, ELGIN, IL 60123-7760

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	154 OAK ST, ELGIN, IL 60123-7760

Mortgage

Document Number	0000014261
Date	Feb 23, 2021
Instrument	2021K014261

Lender

Name	MUTUAL FEDERAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	299 Months
Due	Jan 1, 2046

Interest

Rate Type	Fixed Rate
Rate	2.87%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 2025

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	$3,697.00 (-0.64%) Homeowner's exemption
2024		$59,378 (+21.39%) Land $13,340 Building $46,038	$178,205 (+21.44%) Land $40,036 Building $138,169
2022	$3,721.00 (+4.99%) Homeowner's exemption	$48,914 (+6.96%) Land $10,989 Building $37,925	$146,742 (+6.96%) Land $32,967 Building $113,775
2021	$3,544.00 Homeowner's exemption	$45,731 Land $10,274 Building $35,457	$137,193 Land $30,822 Building $106,371

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 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 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