204 Elm St, Elgin, IL 60123 Property Records

Kane County property record for 204 Elm St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,317 sqft · built 1923
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Last Sale	$63,000 (Jan 2013)
Tax Bill	$5,196 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Dec 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-14-458-016`

Property Details

APN / Parcel Number

Primary APN	`06-14-458-016`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,317 sqft Living Area
Gross Area	2,305 sqft
1st Floor Area	1,317 sqft
Basement Area	988 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Construction Type	Frame
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Window A/C
Water Source	Commercial

Location & Zoning

Street Address	204 ELM ST
City	ELGIN
State	IL
Zip	60123-6305
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHISHOLMS ADDN SOUTH 22 FT LOT 12 & NORTH 22 FT LOT 13 BLOCK 3
Legal Subdivision	CHISHOLMS ADDN
Legal Block	3
Legal Lot Number	12,13
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1017
Census Tract	851600

Owner

Source: Kane County records, 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	2 Individual Names on Record
Mailing Address	204 ELM ST, ELGIN, IL 60123-6305
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2023	Deed of Trust, Mortgage · Line of Credit KANE COUNTY TEACHERS CU
Dec 12, 2017	Deed of Trust, Mortgage · Conventional Mortgage MARQUETTE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 16, 2013 · Amount on Record
Deed Sale	Jan 16, 2013 · Amount on Record
Prior Sale	Sep 7, 2012
Deed Document Number	20134087
Prior Transfer Date	May 15, 2007
Prior Transfer Doc	0000059197
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	204 ELM ST, ELGIN, IL 60123-6305
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029234
Date	Aug 24, 2023
Instrument	2023K029234

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 23, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	204 ELM ST, ELGIN, IL 60123-6305
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000064640
Date	Dec 12, 2017
Instrument	2017K064640

Lender

Name	MARQUETTE BANK
Type	Bank
Address	ORLAND PARK, IL 60467

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2033

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	$5,196.00 (+15.8%) Homeowner's exemption	$76,120 (+8.57%) Land $14,483 Building $61,637	$228,451 (+8.57%) Land $43,466 Building $184,985
2024		$70,112 (+21.39%) Land $13,340 Building $56,772	$210,420 (+21.44%) Land $40,036 Building $170,384
2022	$4,487.00 (+4.79%) Homeowner's exemption	$57,756 (+6.96%) Land $10,989 Building $46,767	$173,268 (+6.96%) Land $32,967 Building $140,301
2021	$4,282.00 Homeowner's exemption	$53,998 Land $10,274 Building $43,724	$161,994 Land $30,822 Building $131,172

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 440 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Fox Valley Internet, Verizon.

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