166 N Crystal St, Elgin, IL 60123 Property Records

Kane County property record for 166 N Crystal St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,260 sqft · built 1900
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$100,000 (Dec 2015)
Tax Bill	$5,858 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Feb 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-14-255-007`

Property Details

APN / Parcel Number

Primary APN	`06-14-255-007`

Interior

Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,260 sqft Living Area
Gross Area	3,580 sqft
Basement Area	1,320 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	13,068 sqft (0.3 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	166 N CRYSTAL ST
City	ELGIN
State	IL
Zip	60123-5479
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W C KIMBALLS PLAT OF WEST ELGIN EAST 1/2 LOT 7 & ALL LOT 10 BLOCK 37
Legal Subdivision	WEST ELGIN EAST
Legal Block	37
Legal Lot Number	7,10
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1013
Census Tract	851102

Owner

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	166 N CRYSTAL ST, ELGIN, IL 60123-5479
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2022	Deed of Trust, Mortgage · Line of Credit FNBC BANK & TRUST
Feb 22, 2018	Deed of Trust, Mortgage · Line of Credit FNBC BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 2015 · Amount on Record
Deed Sale	Dec 21, 2015 · Amount on Record
Deed Document Number	201567683
Prior Transfer Date	Dec 11, 2015
Prior Transfer Doc	0000067683
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	166 N CRYSTAL ST, ELGIN, IL 60123-5479
Transaction Type	Mortgage
Record Updated	Nov 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000055945
Date	Nov 22, 2022
Instrument	2022K055945

Lender

Name	FNBC BANK & TRUST
Type	Bank
Address	LA GRANGE, IL 60525

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Oct 23, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	166 N CRYSTAL ST, ELGIN, IL 60123-5479
Document Number	0000010668
Instrument Date	Feb 22, 2018
Transaction Type	Mortgage
Record Updated	Mar 29, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	166 N CRYSTAL ST ELGIN IL 601235479, ELGIN, IL 60123-5479

Mortgage

Document Number	0000010668
Date	Mar 8, 2018
Instrument	10668

Lender

Name	FNBC BK&TR
Address	LA GRANGE, IL 60525

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 7, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$5,858.00 (+15.82%) Homeowner's exemption	$84,789 (+8.57%) Land $16,312 Building $68,477	$254,469 (+8.57%) Land $48,956 Building $205,513
2024		$78,096 (+21.39%) Land $15,024 Building $63,072	$234,382 (+21.44%) Land $45,090 Building $189,292
2022	$5,058.00 (+4.72%) Homeowner's exemption	$64,333 (+6.96%) Land $12,376 Building $51,957	$192,999 (+6.96%) Land $37,128 Building $155,871
2021	$4,830.00 Homeowner's exemption	$60,147 Land $11,571 Building $48,576	$180,441 Land $34,713 Building $145,728

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	3 (1978–2009)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Mar 2009 · rainfall accumulation

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.

Wildfire

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.

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 381 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
Fox Valley Internet Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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