Kane County property record for 159 S Liberty St, Elgin, IL 60120
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,644 sqft · built 1900 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,595 (2025) |
| Deeds & Mortgages | Oct 2025 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-13-429-028 |
| Primary APN | 06-13-429-028 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,644 sqft Living Area |
| Gross Area | 2,466 sqft |
| Basement Area | 822 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Construction Type | Frame |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Street Address | 159 S LIBERTY ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-6606 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PLAT OF KINGS SUB LOT 3 |
| Legal Subdivision | KINGS SUB |
| Legal Block | 2 |
| Legal Lot Number | 3 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 851400 |
159 S Liberty St is owned and occupied by two individuals.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 159 S LIBERTY ST, ELGIN, IL 60120-6606 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 159 S LIBERTY ST, ELGIN, IL 60120-6606 |
| Transaction Type | Mortgage |
| Record Updated | Oct 14, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000038387 |
|---|---|
| Date | Oct 2, 2025 |
| Instrument | 2025K038387 |
| Name | ST CHARLES BANK & TRUST CO NA |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, IL 60174 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 239 Months |
| Due | Sep 10, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.5% |
| Change Frequency | Monthly |
| Min Rate At Change | 3.99% |
| Max Rate | 20% |
The 2025 property tax bill for 159 S Liberty St was $2,595 with exemptions applied.
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 | $2,595.00 Homeowner's exemption Senior Citizen's exemption | $73,859 (+8.57%) Land $14,021 Building $59,838 | $221,666 (+8.57%) Land $42,080 Building $179,586 |
| 2024 | $68,029 Land $12,914 Building $55,115 | $204,169 Land $38,758 Building $165,411 | |
| 2022 | $3,905.00 (+12.18%) Homeowner's exemption | $56,040 (+6.96%) Land $10,638 Building $45,402 | $168,120 (+6.96%) Land $31,914 Building $136,206 |
| 2021 | $3,481.00 Homeowner's exemption | $52,394 Land $9,946 Building $42,448 | $157,182 Land $29,838 Building $127,344 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 159 S Liberty St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 | 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.
Wildfire risk around 159 S Liberty St is low, with less than a 0.01% annual chance of wildfire.
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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