173 S Union St, Elgin, IL 60123 Property Records

Kane County property record for 173 S Union St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,269 sqft · built 1956
Lot Size	0.331 acres (14,418 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Sep 2019)
Tax Bill	$5,900 (2025)
Deeds & Mortgages	Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-14-381-026`

Property Details

APN / Parcel Number

Primary APN	`06-14-381-026`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,269 sqft Living Area
Gross Area	2,221 sqft
1st Floor Area	1,269 sqft
Basement Area	952 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Construction Type	Frame
Lot Area	14,418 sqft (0.331 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	173 S UNION ST
City	ELGIN
State	IL
Zip	60123-6254
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LASEMANS 2ND SUB LOT 10
Legal Subdivision	LASEMANS 2ND SUB
Legal Block	5
Legal Lot Number	10
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	5
Census Block	5001
Census Tract	851600

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	173 S UNION ST, ELGIN, IL 60123-6254
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2019 · Amount on Record
Deed Sale	Sep 30, 2019 · Amount on Record
Prior Sale	Feb 15, 2013 · Amount on Record
Deed Document Number	201945791
Record Updated	Oct 29, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 30, 2019
Property Address	173 S UNION ST, ELGIN, IL 60123-6254
Document Number	0000045791
Instrument Date	Sep 27, 2019
Instrument	2019K045791
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$175.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	173 S UNION ST, ELGIN, IL 60123-6254

Mortgage

Document Number	0000045792
Date	Sep 30, 2019
Instrument	2019K045792

Lender

Name	MIDWEST COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Interest

Rate Type	Fixed Rate
Rate	3.62%

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	$5,900.00 (+15.82%) Homeowner's exemption	$85,339 (+8.57%) Land $19,743 Building $65,596	$256,119 (+8.57%) Land $59,253 Building $196,867
2024		$78,603 (+21.39%) Land $18,185 Building $60,418	$235,903 (+21.44%) Land $54,577 Building $181,327
2022	$5,094.00 (+4.71%) Homeowner's exemption	$64,750 (+6.96%) Land $14,980 Building $49,770	$194,250 (+6.96%) Land $44,940 Building $149,310
2021	$4,865.00 Homeowner's exemption	$60,536 Land $14,005 Building $46,531	$181,608 Land $42,015 Building $139,593

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 · 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	1 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2008 · Severe Storms And Flooding

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 637 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
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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