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165 Harding St, Elgin, IL 60123 Property Records

Kane County property record for 165 Harding St, Elgin, IL 60123

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,581 sqft · built 1900
Lot Size0.56 acres (2,460 sqft)
OwnerIndividual Name on File
Last Sale$128,000 (Nov 2019)
Tax Bill$5,453 (2025)
Deeds & MortgagesNov 2019 Sale & Mortgage
Jul 2019 Transfer
Flood ZoneZone X (minimal risk)
APN06-24-154-003

Property Details

APN / Parcel Number

Primary APN06-24-154-003

Interior

Bedrooms4 Beds
Full Baths2 Baths
Total Rooms8 Rooms
Stories2 Stories
Building Area1,581 sqft Living Area
Gross Area2,430 sqft
Basement Area849 sqft

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 1900
Architectural StyleVictorian
Construction TypeFrame
Lot Area2,460 sqft (0.56 acres)

Utilities, Heating & Cooling

Cooling SystemHVAC
Water SourceCommercial

Location & Zoning

Street Address165 HARDING ST
CityELGIN
StateIL
Zip60123-7754
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHINTZE & POTTERS ADDN AS AMENDED ALL EXCEPT EAST 91 FT OF LOT 2 BLOCK 1
Legal SubdivisionHINTZE&POTTERS ADDN
Legal Block1
Legal Lot Number2
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group3
Census Block3006
Census Tract851600

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on File
Mailing Address158 HARDING ST, ELGIN, IL 60123-7752
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 7, 2019Warranty Deed, Transfer · Conventional Mortgage
FAIRWAY INDEPENDENT MORTGAGE CORP
Jul 26, 2019Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 7, 2019 · Amount on File
Deed SaleNov 7, 2019 · Amount on File
Prior SaleOct 30, 2012 · Amount on File
Deed Document Number201953723
Prior Transfer DateJul 18, 2019
Prior Transfer Doc0000032826
Record UpdatedOct 29, 2026

November 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateNov 7, 2019
Property Address165 HARDING ST, ELGIN, IL 60123-7754
Document Number0000053723
Instrument DateOct 24, 2019
Instrument2019K053723
Transaction TypeTransfer
Record UpdatedJul 27, 2021
Title CompanyFIDELITY NATIONAL TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$128.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 805, ELGIN, IL 60121-0805

Transferred To (Grantee/Buyer)

NameVerified Name
Address158 HARDING ST, ELGIN, IL 60123-7752

Mortgage

Document Number0000053724
DateNov 7, 2019
Instrument2019K053724
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueNov 1, 2049

July 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionKANE IL
Recording DateJul 26, 2019
Property Address165 HARDING ST, ELGIN, IL 60123-7754
Document Number0000032826
Instrument DateJul 18, 2019
Instrument32826
Transaction TypeTransfer
Record UpdatedAug 1, 2019
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
AddressPO BOX 805 ELGIN IL 601210805, ELGIN, IL 60121-0805

Tax Assessment & Valuation

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,453.00 (+15.95%)$71,487 (+8.57%) Land $11,107 Building $60,380$214,547 (+8.57%) Land $33,334 Building $181,212
2024$65,844 (+21.39%) Land $10,230 Building $55,614$197,611 (+21.44%) Land $30,702 Building $166,909
2022$4,703.00 (+3.96%)$54,240 (+6.96%) Land $8,427 Building $45,813$162,720 (+6.96%) Land $25,281 Building $137,439
2021$4,524.00$50,711 Land $7,879 Building $42,832$152,133 Land $23,637 Building $128,496

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.

Flood

Source: FEMA National Flood Hazard Layer, effective October 8, 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot rated
no burnable land within 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 SystemELGIN
serves 114,797 people · EPA ID IL0894380
Water SourceSurface water
Last State InspectionAug 2025
Lead19 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting8
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 385 locations within half a mile, as of December 31, 2025

ProviderMax 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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