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164 E Chicago St, #166, Elgin, IL 60120 Property Records

Kane County property record for 164 E Chicago St, #166, Elgin, IL 60120 · Last verified July 2026

Property Summary

Property TypeCommercial
Details16,565 sqft · built 1892
Lot Size0.14 acres (6,098 sqft)
OwnerCompany Name on File
Last Sale$1,400,000 (Aug 2025)
Tax Bill$23,574 (2025)
Deeds & MortgagesApr 2026 Mortgage
Dec 2018 Mortgage
Flood ZoneZone X (minimal risk)
APN06-14-284-014

Property Details

APN / Parcel Number

Primary APN06-14-284-014

Interior

Units5 Units
Building Area16,565 sqft Gross Area

Exterior

Year BuiltBuilt 1892
Effective Year BuiltEffective 1892
Lot Area6,098 sqft (0.14 acres)
Lot Dimensions120 ft deep x 58 ft wide

Location & Zoning

Street Address164 E CHICAGO ST, 166
CityELGIN
StateIL
Zip60120-5518
Property CategoryCommercial
Property TypeCommercial > Retail
Legal DescriptionJ T GIFFORDS PLAT OF EAST ELGIN EAST 37 FT LOT 8 & COUNTY CLERKS SUB C LOT 9 BLOCK 16
Legal SubdivisionCOUNTY CLERKS SUB
Legal Block16
Legal Lot Number8,9
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group2
Census Block2019
Census Tract854600

Owner

Source: Kane County records · APN 06-14-284-014

Assessment roll updated August 25, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on File
Mailing Address1900 E GOLF RD, 950A, SCHAUMBURG, IL 60173-5034
Owner TypeCompany
VestingLimited Liability Partnership

Deeds, Mortgages & Sale History

DateDocument
Apr 24, 2026Deed of Trust, Mortgage · SBA Mortgage
NONE LISTED ON DOCUMENT
Dec 20, 2018Deed of Trust, Mortgage · Commercial Mortgage
AMERICAN COMMUNITY BANK & TRUST

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleAug 08, 2025 · Amount on Record
Deed SaleAug 08, 2025 · Amount on Record
Prior SaleJul 14, 2010 · Amount on Record
Deed Document Number202529883
Record UpdatedSep 20, 2026

April 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Recording DateApr 24, 2026
Property Address164 E CHICAGO ST, 166, ELGIN, IL 60120-5518
Document Number0000016685
Instrument DateApr 23, 2026
Instrument202616685
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLimited Liability Partnership, 266

Mortgage

Document Number0000016685,
DateApr 24, 2026
Instrument202616685
Lender
Agreement
TypeSBA Mortgage
AmountAmount Recorded
Interest
Rate6.38%
Max Rate-1%

December 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address164-166 E CHICAGO ST, ELGIN, IL 60120
Transaction TypeMortgage
Record UpdatedSep 21, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000061145
DateDec 20, 2018
Instrument2018K061145
Lender
NameAMERICAN COMMUNITY BANK & TRUST
TypeBank
AddressWOODSTOCK, IL 60098
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionElgin Township
MunicipalityElgin City
Unified School DistrictSchool District U-46 (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$23,574.00 (+3.5%)
2024$22,777.00 (+12.04%)$284,622 (+21.39%) Land $33,556 Building $251,066$854,208 (+21.44%) Land $100,708 Building $753,499
2022$20,330.00 (+3.96%)$234,462 (+6.96%) Land $27,642 Building $206,820$703,386 (+6.96%) Land $82,926 Building $620,460
2021$19,556.00$219,205 Land $25,843 Building $193,362$657,615 Land $77,529 Building $580,086

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170898546002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Nearby Flood Policies6 in force
Nearby Flood Claims2 (2007–2013)
Claims Outside the SFHA1 of 2
Most Recent ClaimApr 2013, Severe Storms, Straight-line Winds, And Flooding

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic DistrictWithin the Elgin Downtown Commercial District (Additional Documentation)
listed 2014 · 81 contributing resources · NRIS 14001067

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

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 545 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 250
Radiate HoldingsCable1,500 / 50
OpiquadFixed Wireless (unlicensed)100 / 20
AT&TDSL100 / 20

May also be available at this address: AT&T, T-Mobile USA, Verizon, Radiate Holdings. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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