160 Elm St, Elgin, IL 60123 Property Records

Kane County property record for 160 Elm St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,420 sqft · built 1890
Lot Size	0.23 acres (10,032 sqft)
Owner	Individual Name on File
Last Sale	$123,500 (Mar 2017)
Tax Bill	$6,047 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Jan 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-14-458-012`

Property Details

APN / Parcel Number

Primary APN	`06-14-458-012`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,420 sqft Living Area
Gross Area	2,242 sqft
Basement Area	822 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Victorian
Construction Type	Frame
Lot Area	10,032 sqft (0.23 acres)
Lot Dimensions	152 ft deep x 66 ft wide
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Window A/C
Water Source	Commercial

Location & Zoning

Street Address	160 ELM ST
City	ELGIN
State	IL
Zip	60123-6303
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHISHOLMS ADDN LOT 9 BLOCK 3
Legal Subdivision	CHISHOLMS ADDN
Legal Block	3
Legal Lot Number	9
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1017
Census Tract	851600

Owner

160 Elm St is owned and occupied by an individual who bought it in March 2017.

Source: Kane County records, as of July 23, 2026

Owner of Record	Individual Name on File
Mailing Address	160 ELM ST, ELGIN, IL 60123-6303
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2022	Deed of Trust, Mortgage · Line of Credit KANE COUNTY TEACHERS CU
Jan 27, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Mar 5, 2020	Loan Modification, Mortgage · FHA Mortgage QUICKEN LNS
Mar 5, 2020	Loan Modification, Mortgage · FHA Mortgage QUICKEN LNS
Mar 16, 2017	Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 16, 2017 · Amount on File
Deed Sale	Mar 16, 2017 · Amount on File
Prior Sale	May 31, 2007 · Amount on File
Deed Document Number	201713519
Prior Transfer Date	May 23, 1996
Prior Transfer Doc	0000039175
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	160 ELM ST, ELGIN, IL 60123-6303
Transaction Type	Mortgage
Record Updated	Dec 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000057110
Date	Dec 1, 2022
Instrument	2022K057110

Lender

Name	KANE COUNTY TEACHERS CU
Type	Credit Union
Address	ELGIN, IL 60123

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Nov 30, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	160 ELM ST, ELGIN, IL 60123-6303
Transaction Type	Mortgage
Record Updated	Feb 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	160 ELM ST, ELGIN, IL 60123-6303

Mortgage

Document Number	0000005296
Date	Jan 27, 2022
Instrument	2022K005296

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 1, 2051

March 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KANE IL
Property Address	160 ELM ST, ELGIN, IL 60123-6303
Document Number	0000026128
Instrument Date	Mar 5, 2020
Transaction Type	Mortgage
Record Updated	Jul 14, 2020
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	160 ELM ST ELGIN IL 601236303, ELGIN, IL 60123-6303

Mortgage

Document Number	0000026128
Date	May 21, 2020
Instrument	26128

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 20, 2050

Interest

Rate	3.25%

March 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KANE IL
Property Address	160 ELM ST, ELGIN, IL 60123-6303
Document Number	0000018976
Instrument Date	Mar 5, 2020
Transaction Type	Mortgage
Record Updated	Jul 7, 2020
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	160 ELM ST ELGIN IL 601236303, ELGIN, IL 60123-6303

Mortgage

Document Number	0000018976
Date	Apr 16, 2020
Instrument	18976

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 15, 2050

Interest

Rate	3.25%

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Mar 16, 2017
Property Address	160 ELM ST, ELGIN, IL 60123-6303
Document Number	0000013519
Instrument Date	Mar 10, 2017
Instrument	13519
Transaction Type	Transfer
Record Updated	Jul 7, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$185.00
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1256 ROBINWOOD DR #101 ELGIN IL 601231378, 101, ELGIN, IL 60123-1378

Mortgage

Document Number	13520
Date	Mar 16, 2017
Instrument	13520

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 15, 2047

Interest

Rate Type	Fixed Rate
Rate	3.87%

Tax Assessment & Valuation

The 2025 property tax bill for 160 Elm St was $6,047 with a homeowner's exemption.

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	$6,047.00 Homeowner's exemption	$87,266 (+8.57%) Land $19,206 Building $68,060	$261,903 (+8.57%) Land $57,641 Building $204,262
2024		$80,378 Land $17,690 Building $62,688	$241,230 Land $53,091 Building $188,139
2022	$5,221.00 (+4.69%) Homeowner's exemption	$66,213 (+6.96%) Land $14,573 Building $51,640	$198,639 (+6.96%) Land $43,719 Building $154,920
2021	$4,987.00 Homeowner's exemption	$61,905 Land $13,625 Building $48,280	$185,715 Land $40,875 Building $144,840

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

Flood

FEMA maps place 160 Elm St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 160 Elm 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 98% of the US · lower than 86% 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.

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 440 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Fox Valley Internet, Verizon.

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