196 2nd St, Elgin, IL 60123 Property Records

Kane County property record for 196 2nd St, Elgin, IL 60123 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 825 sqft · built 1943
Lot Size	0.427 acres (18,600 sqft)
Owner	2 Individual Names on File
Last Sale	$373,000 (May 2023)
Tax Bill	$7,145 (2025)
Deeds & Mortgages	Apr 2026 Mortgage May 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-16-477-031`

Property Details

APN / Parcel Number

Primary APN	`06-16-477-031`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	825 sqft Living Area
Gross Area	1,650 sqft
1st Floor Area	825 sqft
Basement Area	825 sqft

Exterior

Year Built	Built 1943
Effective Year Built	Effective 1943
Construction Type	Frame
Lot Area	18,600 sqft (0.427 acres)
Lot Dimensions	186 ft deep x 100 ft wide
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	196 2ND ST
City	ELGIN
State	IL
Zip	60123-5974
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FOX RIVER HILLS MAP 4 LOT 20
Legal Subdivision	FOX RIVER HILLS
Legal Block	3
Legal Lot Number	20
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3036
Census Tract	851904

Owner

Source: Kane County records · APN 06-16-477-031

Assessment roll updated December 26, 2025 · Last verified July 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	196 2ND ST, ELGIN, IL 60123-5974
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Apr 06, 2026	Deed of Trust, Mortgage · Conventional Mortgage DART BANK
May 22, 2023	Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 14, 2022	Intrafamily Transfer, Transfer
Jun 28, 2019	Warranty Deed, Transfer · FHA Mortgage THE FEDERAL SAVINGS BANK
May 16, 2017	Grant Deed, Transfer MEADOWS TITLE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 22, 2023 · Amount on Record
Deed Sale	May 22, 2023 · Amount on Record
Prior Sale	Jun 28, 2019 · Amount on Record
Deed Document Number	202316279
Prior Transfer Date	Jun 14, 2022
Prior Transfer Doc	0000031090
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	Apr 06, 2026
Property Address	196 2ND ST, ELGIN, IL 60123-5974
Document Number	0000013688
Instrument Date	Mar 26, 2026
Instrument	202613688
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	196 2ND ST, ELGIN, IL 60123-5974

Mortgage

Document Number	0000013688,
Date	Apr 06, 2026
Instrument	202613688

Lender

Name	DART BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 01, 2046

Interest

Rate Type	Fixed Rate
Rate	5.5%
Initial Type	Fixed Rate
Max Rate	-1%

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	May 22, 2023
Property Address	196 2ND ST, ELGIN, IL 60123-5974
Document Number	0000016279
Instrument Date	May 08, 2023
Instrument	2023K016279
Transaction Type	Transfer
Record Updated	May 31, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$373.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	196 2ND ST, ELGIN, IL 60123-5974

Mortgage

Document Number	0000016280
Date	May 22, 2023
Instrument	2023K016280

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2053

Interest

Rate Type	Fixed Rate
Rate	6.45%

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Jun 14, 2022
Property Address	196 2ND ST, ELGIN, IL 60123-5974
Document Number	0000031090
Instrument Date	Jun 09, 2022
Instrument	2022K031090
Transaction Type	Transfer
Record Updated	Jun 07, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	196 2ND ST, ELGIN, IL 60123-5974

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 28, 2019
Property Address	196 2ND ST, ELGIN, IL 60123-5974
Document Number	0000027618
Map Reference	MAP 4
Instrument Date	Jun 27, 2019
Instrument	2019K027618
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$320.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	823 HASTINGS ST, 823, ELGIN, IL 60120-8220

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 2ND ST, ELGIN, IL 60123-5974

Mortgage

Document Number	0000027619
Date	Jun 28, 2019
Instrument	2019K027619

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2049

Interest

Rate Type	Fixed Rate
Rate	3.75%

May 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KANE IL
Recording Date	May 16, 2017
Property Address	196 2ND ST, ELGIN, IL 60123-5974
Document Number	0000024882
Instrument Date	May 05, 2017
Instrument	24882
Transaction Type	Transfer
Record Updated	Jun 01, 2017
Title Company	MEADOWS TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$127.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	823 HASTINGS ST ELGIN IL 601208220, ELGIN, IL 60120-8220

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated December 26, 2025 · Last verified July 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, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,145.00 (+4.26%)
2024	$6,853.00 (+11.12%)	$93,873 (+21.39%) Land $20,929 Building $72,944	$281,732 (+21.44%) Land $62,812 Building $218,920
2022	$6,167.00 (+4.58%) Homeowner's exemption	$77,329 (+6.96%) Land $17,241 Building $60,088	$231,987 (+6.96%) Land $51,723 Building $180,264
2021	$5,897.00 Homeowner's exemption	$72,297 Land $16,119 Building $56,178	$216,891 Land $48,357 Building $168,534

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170898519043, refreshed September 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
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2020, rainfall accumulation

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 234 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Radiate Holdings	Cable	1,500 / 50
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20

May also be available at this address: AT&T, Opiquad. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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