Kane County property record for 164 Oak St, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,312 sqft · built 1900 |
| Lot Size | 0.113 acres (4,931 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $207,500 (Oct 2022) |
| Tax Bill | $4,777 (2025) |
| Deeds & Mortgages | Oct 2022 Sale & Mortgage Oct 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-24-103-015 |
| Primary APN | 06-24-103-015 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,312 sqft Living Area |
| Gross Area | 2,048 sqft |
| Basement Area | 736 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Construction Type | Frame |
| Lot Area | 4,931 sqft (0.113 acres) |
| Street Address | 164 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 EXCEPT EASTERLY 80.8 FT 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 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 106 MEEKER RD, BASKING RIDGE, NJ 07920-2058 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 17, 2022 | Warranty Deed, Transfer · Stand-Alone First Mortgage GUIDANCE RESIDENTIAL LLC |
| Oct 17, 2019 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 17, 2022 · Amount on Record |
| Deed Sale | Oct 17, 2022 · Amount on Record |
| Prior Sale | Oct 17, 2019 · Amount on Record |
| Deed Document Number | 202250735 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Oct 17, 2022 |
| Property Address | 164 OAK ST, ELGIN, IL 60123-7760 |
| Document Number | 0000050735 |
| Instrument Date | Aug 25, 2022 |
| Instrument | 2022K050735 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $207.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8024 LYNDSI AVE NW, 8024, ALBUQUERQUE, NM 87120-5539 |
| Name | Verified Name |
|---|---|
| Address | 106 MEEKER RD, BASKING RIDGE, NJ 07920-2058 |
| Document Number | 0000050736 |
|---|---|
| Date | Oct 17, 2022 |
| Instrument | 2022K050736 |
| Name | GUIDANCE RESIDENTIAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Oct 17, 2019 |
| Property Address | 164 OAK ST, ELGIN, IL 60123-7760 |
| Document Number | 0000049230 |
| Instrument Date | Sep 16, 2019 |
| Instrument | 2019K049230 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | ATTORNEYS TTL GUARANTY FUND |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $180.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 164 OAK ST, ELGIN, IL 60123-7760 |
| Document Number | 0000049231 |
|---|---|
| Date | Oct 17, 2019 |
| Instrument | 2019K049231 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2049 |
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 | $4,777.00 (+44.23%) | $62,627 (+8.57%) Land $14,557 Building $48,070 | $187,956 (+8.57%) Land $43,688 Building $144,268 |
| 2024 | $57,684 (+30.5%) Land $13,408 Building $44,276 | $173,121 (+30.55%) Land $40,240 Building $132,881 | |
| 2022 | $3,312.00 (+5.11%) Homeowner's exemption | $44,202 (+6.96%) Land $11,045 Building $33,157 | $132,606 (+6.96%) Land $33,135 Building $99,471 |
| 2021 | $3,151.00 Homeowner's exemption | $41,325 Land $10,326 Building $30,999 | $123,975 Land $30,978 Building $92,997 |
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.
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.
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.
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 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 |
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