192 S Union St, Elgin, IL 60123 Property Records

Kane County property record for 192 S Union St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 884 sqft · built 1956
Lot Size	0.136 acres (5,919 sqft)
Owner	Individual Name on File
Last Sale	$15,000 (Nov 2016)
Tax Bill	$4,762 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-23-126-013`

Property Details

APN / Parcel Number

Primary APN	`06-23-126-013`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	884 sqft Living Area
Gross Area	1,768 sqft
1st Floor Area	884 sqft
Basement Area	884 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Construction Type	Frame
Lot Area	5,919 sqft (0.136 acres)
Lot Width	76 ft Width
Garage Type	Attached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	192 S UNION ST
City	ELGIN
State	IL
Zip	60123-6272
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LASEMANS 2ND SUB LOT 6
Legal Subdivision	LASEMANS 2ND SUB
Legal Block	5
Legal Lot Number	6
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 August 25, 2025

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	192 S UNION ST, ELGIN, IL 60123-6272
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 14, 2022	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jan 25, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 3, 2016 · Amount on Record
Deed Sale	Nov 3, 2016 · Amount on Record
Prior Sale	Aug 11, 1994 · Amount on Record
Deed Document Number	201660666
Prior Transfer Date	Sep 24, 2015
Prior Transfer Doc	0000052199
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	192 S UNION ST, ELGIN, IL 60123-6272
Transaction Type	Mortgage
Record Updated	Jul 25, 2023
Title Company	GREATER ILLINOIS TITLE COMPANY, GREATER ILLINOIS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008555
Date	Feb 14, 2022
Instrument	2022K008555

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	264 Months
Due	Feb 1, 2044

Interest

Rate Type	Fixed Rate
Rate	2.75%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	192 S UNION ST, ELGIN, IL 60123-6272
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006300
Date	Jan 25, 2021
Instrument	2021K006300

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	309 Months
Due	Oct 1, 2046

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 2025

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	$4,762.00 (+15.81%) Homeowner's exemption
2024		$64,862 (+21.39%) Land $16,467 Building $48,395	$194,664 (+21.44%) Land $49,421 Building $145,243
2022	$4,112.00 (+4.87%) Homeowner's exemption	$53,431 (+6.96%) Land $13,565 Building $39,866	$160,293 (+6.96%) Land $40,695 Building $119,598
2021	$3,921.00 Homeowner's exemption	$49,954 Land $12,682 Building $37,272	$149,862 Land $38,046 Building $111,816

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 · 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.

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