Kane County property record for 165 Elm St, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,430 sqft · built 1928 |
| Lot Size | 0.181 acres (7,905 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $270,000 (May 2022) |
| Tax Bill | $5,910 (2025) |
| Deeds & Mortgages | May 2022 Sale & Mortgage Sep 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-14-477-001 |
| Primary APN | 06-14-477-001 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 5 Stories |
| Building Area | 1,430 sqft Living Area |
| Gross Area | 2,383 sqft |
| Basement Area | 953 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1928 |
|---|---|
| Effective Year Built | Effective 1928 |
| Exterior Material | Brick |
| Lot Area | 7,905 sqft (0.181 acres) |
| Lot Dimensions | 132 ft deep x 60 ft wide |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 165 ELM ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-6302 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | B W RAYMONDS 2ND ADD- NLY 59.89 FT WLY 132 FT |
| Legal Subdivision | FT COUNTY CLERKS SUB |
| Legal Block | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 851600 |
Source: Kane County records · APN 06-14-477-001
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 165 ELM ST, ELGIN, IL 60123-6302 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| May 02, 2022 | Warranty Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Sep 29, 2017 | Grant Deed, Transfer · Conventional with PMI GUARANTEED RATE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 02, 2022 · Amount on Record |
| Deed Sale | May 02, 2022 · Amount on Record |
| Prior Sale | Sep 29, 2017 · Amount on Record |
| Deed Document Number | 202223539 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | May 02, 2022 |
| Property Address | 165 ELM ST, ELGIN, IL 60123-6302 |
| Document Number | 0000023539 |
| Instrument Date | Apr 07, 2022 |
| Instrument | 2022K023539 |
| Transaction Type | Transfer |
| Record Updated | May 06, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $270.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 5 TIVOLI PL, ELGIN, IL 60123-2779 |
| Document Number | 0000023540 |
|---|---|
| Date | May 02, 2022 |
| Instrument | 2022K023540 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Sep 29, 2017 |
| Property Address | 165 ELM ST, ELGIN, IL 60123-6302 |
| Document Number | 0000051385 |
| Instrument Date | Sep 18, 2017 |
| Instrument | 51385 |
| Transaction Type | Transfer |
| Record Updated | Nov 01, 2017 |
| Title Company | GREATER METROPOLITAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $264.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 165 ELM ST ELGIN IL 601236302, ELGIN, IL 60123-6302 |
| Document Number | 51386 |
|---|---|
| Date | Sep 29, 2017 |
| Instrument | 51386 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 28, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.99% |
Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,910.00 (+15.84%) Homeowner's exemption | ||
| 2024 | $78,722 (+21.39%) Land $15,683 Building $63,039 | $236,261 (+21.44%) Land $47,068 Building $189,193 | |
| 2022 | $5,102.00 (+4.7%) Homeowner's exemption | $64,848 (+6.96%) Land $12,919 Building $51,929 | $194,544 (+6.96%) Land $38,757 Building $155,787 |
| 2021 | $4,873.00 Homeowner's exemption | $60,628 Land $12,078 Building $48,550 | $181,884 Land $36,234 Building $145,650 |
Source: FEMA National Flood Hazard Layer as of October 8, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Radiate Holdings Cable | 1,500 / 50 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Opiquad, Verizon.
Based on FCC filings for 440 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ELGIN serves 114,797 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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