182 Gertrude St, Elgin, IL 60123 Property Records

Kane County property record for 182 Gertrude St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,132 sqft · built 1900
Lot Size	0.386 acres (16,796 sqft)
Owner	Individual Name on File
Last Sale	$163,000 (May 2020)
Tax Bill	$5,480 (2025)
Deeds & Mortgages	May 2020 Sale & Mortgage Apr 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`06-14-381-029`

Property Details

APN / Parcel Number

Primary APN	`06-14-381-029`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,132 sqft Living Area
Gross Area	1,712 sqft
Basement Area	580 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	16,796 sqft (0.386 acres)
Lot Width	99 ft Width
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Water Source	Commercial

Location & Zoning

Street Address	182 GERTRUDE ST
City	ELGIN
State	IL
Zip	60123-6212
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	J C & W H KIMBALLS ADD SWLY 55 FT OF LOT 4 & WLY 1/2 OF VAC ALLEY ADJ BLK 7
Legal Subdivision	J C&W H KIMBALLS ADD
Legal Block	7
Legal Lot Number	4
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	5
Census Block	5001
Census Tract	851600

Owner

182 Gertrude St is owned and occupied by an individual who bought it in May 2020.

Source: Kane County records, as of July 23, 2026

Owner of Record	Individual Name on File
Mailing Address	182 GERTRUDE ST, ELGIN, IL 60123-6212
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.

Deeds, Mortgages & Sale History

Date	Document
May 7, 2020	Warranty Deed, Transfer · Conventional with PMI GUARANTEED RATE
Apr 11, 2017	Grant Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 7, 2020 · Amount on File
Deed Sale	May 7, 2020 · Amount on File
Prior Sale	Apr 11, 2017 · Amount on File
Deed Document Number	202023117
Record Updated	Oct 29, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 7, 2020
Property Address	182 GERTRUDE ST, ELGIN, IL 60123-6212
Document Number	0000023117
Instrument Date	Apr 9, 2020
Instrument	23117
Transaction Type	Transfer
Record Updated	Jul 14, 2020
Title Company	LANDTRUST NATIONAL TITLE SERVICES, LANDTRUST NAT'L TITLE SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$245.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	816 SPRING ST ROSELLE IL 601723057, ROSELLE, IL 60172-3057

Mortgage

Document Number	23118
Date	May 7, 2020
Instrument	23118

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 6, 2050

Interest

Rate Type	Fixed Rate
Rate	3.25%

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KANE IL
Recording Date	Apr 11, 2017
Property Address	182 GERTRUDE ST, ELGIN, IL 60123-6212
Document Number	0000018015
Instrument Date	Mar 16, 2017
Instrument	18015
Transaction Type	Transfer
Record Updated	May 5, 2017
Title Company	OTHER

Transaction

Amount	Amount on Record
Tax	$189.00
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	685 CHESTER AVE ELGIN IL 601203092, ELGIN, IL 60120-3092

Tax Assessment & Valuation

The 2025 property tax bill for 182 Gertrude St was $5,480 with a homeowner's exemption.

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	$5,480.00 Homeowner's exemption	$79,836 (+8.57%) Land $24,476 Building $55,360	$239,604 (+8.57%) Land $73,457 Building $166,146
2024		$73,534 Land $22,544 Building $50,990	$220,690 Land $67,659 Building $153,031
2022	$4,732.00 (+4.76%) Homeowner's exemption	$60,575 (+6.96%) Land $18,571 Building $42,004	$181,725 (+6.96%) Land $55,713 Building $126,012
2021	$4,517.00 Homeowner's exemption	$56,634 Land $17,363 Building $39,271	$169,902 Land $52,089 Building $117,813

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

FEMA maps place 182 Gertrude St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2008.

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

The area around 182 Gertrude 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.

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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