181 S Union St, Elgin, IL 60123 Property Records

Kane County property record for 181 S Union St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,120 sqft · built 1956
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$163,000 (Dec 2016)
Tax Bill	$5,518 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Jan 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-23-126-014`

Property Details

APN / Parcel Number

Primary APN	`06-23-126-014`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area
Gross Area	2,240 sqft
1st Floor Area	1,120 sqft
Basement Area	1,120 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Exterior Material	Wood
Construction Type	Frame
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	181 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 8
Legal Subdivision	LASEMANS 2ND SUB
Legal Block	5
Legal Lot Number	8
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	5
Census Block	5001
Census Tract	851600

Owner

Source: Kane County assessment roll, 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 File
Mailing Address	181 S UNION ST, ELGIN, IL 60123-6254
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2026	Deed of Trust, Mortgage · Line of Credit CONSUMERS CREDIT UNION
Jan 26, 2024	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 30, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Feb 26, 2021	Deed of Trust, Mortgage · Line of Credit KANE COUNTY TEACHERS CU
Feb 14, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 9, 2016 · Amount on Record
Deed Sale	Dec 9, 2016 · Amount on Record
Prior Sale	Nov 20, 2012 · Amount on Record
Deed Document Number	201668029
Prior Transfer Date	Sep 14, 2005
Prior Transfer Doc	0000121395
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	Aug 6, 2026
Property Address	181 S UNION ST, ELGIN, IL 60123-6254
Document Number	0000033696
Instrument Date	Jul 31, 2026
Instrument	202633696
Transaction Type	Mortgage
Record Updated	Aug 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 S UNION ST, ELGIN, IL 60123-6254

Mortgage

Document Number	0000033696,
Date	Aug 6, 2026
Instrument	202633696

Lender

Name	CONSUMERS CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 20, 2046

Interest

Rate	6.43%
Max Rate	-1%

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	181 S UNION ST, ELGIN, IL 60123-6254
Transaction Type	Mortgage
Record Updated	Feb 2, 2024
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 S UNION ST, ELGIN, IL 60123-6254

Mortgage

Document Number	0000002695
Date	Jan 26, 2024
Instrument	2024K002695

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Feb 1, 2052

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	181 S UNION ST, ELGIN, IL 60123-6254
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021652
Date	Apr 30, 2020
Instrument	2020K021652

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	181 S UNION ST, ELGIN, IL 60123-6254
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015272
Date	Feb 26, 2021
Instrument	2021K015272

Lender

Name	KANE COUNTY TEACHERS CU
Type	Credit Union
Address	ELGIN, IL 60123

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Mar 15, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	181 S UNION ST, ELGIN, IL 60123-6254
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 S UNION ST, ELGIN, IL 60123-6254

Mortgage

Document Number	0000008631
Date	Feb 14, 2022
Instrument	2022K008631

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	DENVER, CO 80249

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

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	$5,518.00 (+15.83%) Homeowner's exemption	$80,809 (+8.57%) Land $18,505 Building $62,304	$242,524 (+8.57%) Land $55,537 Building $186,987
2024		$74,430 (+21.39%) Land $17,044 Building $57,386	$223,379 (+21.44%) Land $51,152 Building $172,227
2022	$4,764.00 (+4.75%) Homeowner's exemption	$61,313 (+7.6%) Land $14,040 Building $47,273	$183,939 (+7.6%) Land $42,120 Building $141,819
2021	$4,548.00 Homeowner's exemption	$56,983 Land $13,126 Building $43,857	$170,949 Land $39,378 Building $131,571

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

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
Radiate Holdings Cable	1,500 / 50
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

Nearby Properties on S Union St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures