174 Thomas More Dr, Elgin, IL 60123 Property Records

Kane County property record for 174 Thomas More Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,895 sqft · built 1966
Lot Size	0.22 acres (9,594 sqft)
Owner	Individual Name on Record
Last Sale	$220,000 (Oct 2018)
Tax Bill	$7,911 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-15-151-006`

Property Details

APN / Parcel Number

Primary APN	`06-15-151-006`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,895 sqft Living Area
Gross Area	2,584 sqft
Basement Area	689 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Split Level
Construction Type	Frame
Foundation Type	Raised
Lot Area	9,594 sqft (0.22 acres)
Lot Dimensions	123 ft deep x 78 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	174 THOMAS MORE DR
City	ELGIN
State	IL
Zip	60123-5073
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COUNTRY KNOLLS UNIT 11 LOT 128
Legal Subdivision	COUNTRY KNOLLS
Legal Block	2
Legal Lot Number	128
Legal Unit	11
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2001
Census Tract	851904

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 Record	Individual Name on Record
Mailing Address	174 THOMAS MORE DR, ELGIN, IL 60123-5073
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2026	Deed of Trust, Mortgage · Line of Credit FIRST AMERICAN BANK
Jun 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage BMO HARRIS BANK NA
Oct 5, 2018	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 5, 2018 · Amount on Record
Deed Sale	Oct 5, 2018 · Amount on Record
Prior Sale	Mar 26, 2013 · Amount on Record
Deed Document Number	201848876
Prior Transfer Date	Nov 2, 2000
Prior Transfer Doc	0000091537
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	Apr 9, 2026
Property Address	174 THOMAS MORE DR, ELGIN, IL 60123-5073
Document Number	0000014306
Instrument Date	Apr 3, 2026
Instrument	202614306
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	174 THOMAS MORE DR, ELGIN, IL 60123-5073

Mortgage

Document Number	0000014306,
Date	Apr 9, 2026
Instrument	202614306

Lender

Name	FIRST AMERICAN BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	May 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	174 THOMAS MORE DR, ELGIN, IL 60123-5073
Transaction Type	Mortgage
Record Updated	Jun 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000042144
Date	Jun 2, 2021
Instrument	2021K042144

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 5, 2018
Property Address	174 THOMAS MORE DR, ELGIN, IL 60123-5073
Document Number	0000048876
Instrument Date	Sep 22, 2018
Instrument	2018K048876
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	PRECISION TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$220.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	174 THOMAS MORE DR, ELGIN, IL 60123-5073

Mortgage

Document Number	0000048877
Date	Oct 5, 2018
Instrument	2018K048877

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2048

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	$7,911.00 (+4.19%) Homeowner's exemption	$111,708 (+8.57%) Land $26,754 Building $84,954	$335,258 (+8.57%) Land $80,294 Building $254,964
2024	$7,593.00 (+11.19%)	$102,890 (+21.39%) Land $24,642 Building $78,248	$308,794 (+21.44%) Land $73,956 Building $234,838
2022	$6,829.00 (+4.51%) Homeowner's exemption	$84,757 (+6.96%) Land $20,299 Building $64,458	$254,271 (+6.96%) Land $60,897 Building $193,374
2021	$6,534.00 Homeowner's exemption	$79,242 Land $18,978 Building $60,264	$237,726 Land $56,934 Building $180,792

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 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.

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 297 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Fox Valley Internet.

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