Kane County property record for 172 Oak St, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 1,305 sqft · built 1900 |
| Lot Size | 0.104 acres (4,550 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $108,000 (Jul 2018) |
| Tax Bill | $3,393 (2025) |
| Deeds & Mortgages | Jul 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-24-103-008 |
| Primary APN | 06-24-103-008 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,305 sqft Living Area |
| Gross Area | 2,284 sqft |
| 1st Floor Area | 1,305 sqft |
| Basement Area | 979 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 4,550 sqft (0.104 acres) |
| Cooling System | Central |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 172 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 NORTH 66 FT WEST 39 FT EAST 86.85 FT ON SOUTH LINE LOT 6 & WEST 50 FT OF EAST 103 FT LOT 7 BLOCK 3 |
| Legal Subdivision | LORDS SUB |
| Legal Block | 3 |
| Legal Lot Number | 22 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 851600 |
172 Oak St is owned and occupied by two individuals who bought it in July 2018.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 172 OAK ST, ELGIN, IL 60123-7760 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 11, 2018 · Amount on File |
| Deed Sale | Jul 11, 2018 · Amount on File |
| Prior Sale | Aug 1, 2008 · Amount on File |
| Deed Document Number | 201833219 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jul 11, 2018 |
| Property Address | 172 OAK ST, ELGIN, IL 60123-7760 |
| Document Number | 0000033219 |
| Instrument Date | Jun 28, 2018 |
| Instrument | 33219 |
| Transaction Type | Transfer |
| Record Updated | Jul 31, 2018 |
| Title Company | OTHER |
| Amount | Amount on Record |
|---|---|
| Tax | $162.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 172 OAK ST ELGIN IL 601237760, ELGIN, IL 60123-7760 |
The 2025 property tax bill for 172 Oak St was $3,393 with exemptions applied.
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 | $3,393.00 Homeowner's exemption Senior Citizen's exemption | $60,478 (+8.57%) Land $11,327 Building $49,151 | $181,507 (+8.57%) Land $33,995 Building $147,512 |
| 2024 | $55,704 Land $10,433 Building $45,271 | $167,179 Land $31,312 Building $135,867 | |
| 2022 | $2,701.00 (+6.59%) Homeowner's exemption | $45,887 (+6.96%) Land $8,594 Building $37,293 | $137,661 (+6.96%) Land $25,782 Building $111,879 |
| 2021 | $2,534.00 Homeowner's exemption | $42,901 Land $8,035 Building $34,866 | $128,703 Land $24,105 Building $104,598 |
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 172 Oak 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 172 Oak 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 |
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