178 Harding St, Elgin, IL 60123 Property Records

Kane County property record for 178 Harding St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,134 sqft · built 1900
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Individual Names on Record
Last Sale	$47,000 (Jan 2012)
Tax Bill	$4,095 (2025)
Deeds & Mortgages	Jun 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`06-24-151-005`

Property Details

APN / Parcel Number

Primary APN	`06-24-151-005`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,134 sqft Living Area
Gross Area	1,722 sqft
Basement Area	588 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Foundation Type	Raised
Lot Area	4,356 sqft (0.1 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	178 HARDING ST
City	ELGIN
State	IL
Zip	60123-7752
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HARDINGS RESUB LOT 32 B W RAYMONDS 2ND ADDN WEST 66 FT LOT 1
Legal Subdivision	HARDINGS RESUB
Legal Block	W
Legal Lot Number	32,1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3003
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	2 Individual Names on Record
Mailing Address	178 HARDING ST, ELGIN, IL 60123-7752
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 6, 2012 · Amount on Record
Deed Sale	Jan 6, 2012 · Amount on Record
Prior Sale	Sep 21, 2011
Deed Document Number	20121086
Last Transfer Date	May 7, 2019
Transfer Doc	0000023860
Record Updated	Oct 29, 2026

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Jun 10, 2019
Property Address	178 HARDING ST, ELGIN, IL 60123-7752
Document Number	0000023860
Instrument Date	May 7, 2019
Instrument	23860
Transaction Type	Transfer
Record Updated	Jun 19, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	178 HARDING ST ELGIN IL 601237752, ELGIN, IL 60123-7752

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	$4,095.00 (+15.78%) Homeowner's exemption	$61,683 (+8.57%) Land $11,435 Building $50,248	$185,123 (+8.57%) Land $34,319 Building $150,804
2024		$56,814 (+21.39%) Land $10,532 Building $46,282	$170,510 (+21.44%) Land $31,609 Building $138,902
2022	$3,537.00 (+5.02%) Homeowner's exemption	$46,801 (+6.96%) Land $8,676 Building $38,125	$140,403 (+6.96%) Land $26,028 Building $114,375
2021	$3,368.00 Homeowner's exemption	$43,755 Land $8,111 Building $35,644	$131,265 Land $24,333 Building $106,932

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

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 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