195 2nd St, Elgin, IL 60123 Property Records

Kane County property record for 195 2nd St, Elgin, IL 60123 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	1 Baths
Year Built	Built 1940
Square Footage	546 sqft Living Area
Lot Size	9,180 sqft (0.211 acres)
Occupancy	Owner Occupied
Tax Bill	$2,942.00 (2025)

Owner

Source: Kane County records · APN 06-15-351-033

Assessment roll updated July 23, 2026 · Last verified August 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 File
Mailing Address	195 2ND ST, ELGIN, IL 60123-5973
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Refreshed	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	195 2ND ST, ELGIN, IL 60123-5973
Transaction Type	Mortgage
Record Updated	Oct 12, 2022
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 2ND ST, ELGIN, IL 60123-5973

Mortgage

Document Number	0000049242
Date	Oct 06, 2022
Instrument	2022K049242

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	333 Months
Due	Jul 01, 2050

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated July 23, 2026 · Last verified August 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,942.00 (+11.61%) Homeowner's exemption Senior Citizen's exemption	$54,682 (+8.57%) Land $18,505 Building $36,177	$164,112 (+8.57%) Land $55,537 Building $108,574
2024		$50,365 (+21.39%) Land $17,044 Building $33,321	$151,155 (+21.44%) Land $51,152 Building $100,003
2022	$2,636.00 (+6.63%) Homeowner's exemption	$41,489 (+6.96%) Land $14,040 Building $27,449	$124,467 (+6.96%) Land $42,120 Building $82,347
2021	$2,472.00 Homeowner's exemption	$38,789 Land $13,126 Building $25,663	$116,367 Land $39,378 Building $76,989

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 1% of the US · above 6% of Illinois
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`06-15-351-033`

Interior

Bedrooms	3 Beds
Full Baths	1 Baths
Total Rooms	5 Rooms
Building Area	546 sqft Living Area
Gross Area	1,092 sqft Gross Area
1st Floor	546 sqft 1st Floor
Basement Area	546 sqft Basement
Stories	1 Stories

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Construction Type	Frame Construction
Lot Area	9,180 sqft (0.211 acres)
Parking Spaces	3 Parking Spaces

Utilities and HVAC

Cooling System	HVAC Cooling

Location & Zoning

Street Address	195 2ND ST
City	ELGIN
State	IL
Zip	60123-5973
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	WALTER G MCINTOSH COS FOX RIVER GARDENS LOTS 54 & 55 BLOCK 1
Legal Subdivision	WALTER G MCINTOSH COS FOX RIVER GARDENS
Legal Block	1
Legal Lot Number	54,55
Jurisdiction	KANE IL
Minor Civil Division	ELGIN
Census Blockgroup	3
Census Block	3037
Census Tract	851904