Kane County property record for 169 Harding St, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,420 sqft · built 1900 |
| Lot Size | 0.58 acres (2,520 sqft) |
| Owner | Individual Name on File |
| Last Sale | $265,000 (Jun 2026) |
| Tax Bill | $5,087 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Jun 2026 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-24-154-002 |
| Primary APN | 06-24-154-002 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,420 sqft Living Area |
| Gross Area | 2,156 sqft |
| Basement Area | 736 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Construction Type | Frame |
| Lot Area | 2,520 sqft (0.58 acres) |
| Cooling System | HVAC |
|---|
| Street Address | 169 HARDING ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-7754 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HINTZE & POTTERS ADDN AS AMENDED EAST 42 FT OF LOT 1 BLOCK 1 |
| Legal Subdivision | HINTZE&POTTERS ADDN |
| Legal Block | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 851600 |
169 Harding St is owned and occupied by an individual who bought it in June 2026.
Source: Kane County records, as of July 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 169 HARDING ST, ELGIN, IL 60123-7754 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 3, 2026 | Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE COMPANY |
| Jun 3, 2026 | Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE COMPANY |
| Mar 7, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 3, 2026 · Amount on File |
| Deed Sale | Jun 3, 2026 · Amount on File |
| Prior Sale | Sep 20, 2002 |
| Deed Document Number | 202622841 |
| Prior Transfer Date | Mar 14, 2018 |
| Prior Transfer Doc | 0000011916 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jun 3, 2026 |
| Property Address | 169 HARDING ST, ELGIN, IL 60123-7754 |
| Document Number | 0000022841 |
| Instrument Date | Mar 27, 2026 |
| Instrument | 202622841 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $40,147.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 169 HARDING ST, ELGIN, IL 60123-7754 |
| Document Number | 0000022842, |
|---|---|
| Date | Jun 3, 2026 |
| Instrument | 202622842 |
| Name | GUILD MORTGAGE COMPANY |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.5% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jun 3, 2026 |
| Property Address | 169 HARDING ST, ELGIN, IL 60123-7754 |
| Document Number | 0000022842 |
| Instrument Date | Mar 27, 2026 |
| Instrument | 202622842 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 169 HARDING ST, ELGIN, IL 60123-7754 |
| Document Number | 0000022842, |
|---|---|
| Date | Jun 3, 2026 |
| Instrument | 202622842 |
| Name | GUILD MORTGAGE COMPANY |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.5% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Mar 7, 2018 |
| Property Address | 169 HARDING ST, ELGIN, IL 60123-7754 |
| Document Number | 0000010567 |
| Instrument Date | Mar 1, 2018 |
| Instrument | 10567 |
| Transaction Type | Transfer |
| Record Updated | Mar 26, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 387 COMSTOCK DR ELGIN IL 601243827, ELGIN, IL 60124-3827 |
The 2025 property tax bill for 169 Harding St was $5,087, up 3.5% from the year before.
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 | $5,087.00 (+3.5%) | $66,692 (+8.57%) Land $11,107 Building $55,585 | $200,156 (+8.57%) Land $33,334 Building $166,822 |
| 2024 | $4,915.00 | $61,427 Land $10,230 Building $51,197 | $184,355 Land $30,702 Building $153,652 |
| 2022 | $4,387.00 (+3.96%) | $50,602 (+6.96%) Land $8,427 Building $42,175 | $151,806 (+6.96%) Land $25,281 Building $126,525 |
| 2021 | $4,220.00 | $47,310 Land $7,879 Building $39,431 | $141,930 Land $23,637 Building $118,293 |
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.
FEMA maps place 169 Harding St in Zone X, an area of minimal flood risk.
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.
The area around 169 Harding St has no burnable land within ember reach, so its wildfire risk is not rated.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures