207 S Channing St, Elgin, IL 60120 Property Records

Kane County property record for 207 S Channing St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,920 sqft · built 1910
Lot Size	0.8 acres (3,465 sqft)
Owner	Individual Name on Record
Last Sale	$242,000 (Jul 2021)
Tax Bill	$5,758 (2025)
Deeds & Mortgages	Jul 2021 Line of Credit Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-13-451-002`

Property Details

APN / Parcel Number

Primary APN	`06-13-451-002`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,920 sqft Living Area
Gross Area	2,880 sqft
Basement Area	960 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Brick
Lot Area	3,465 sqft (0.8 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	207 S CHANNING ST
City	ELGIN
State	IL
Zip	60120-6760
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOME ADDN SOUTH 35 FT OF LOT 1 & SOUTH 35 FT WEST 1/2 OF LOT 2 BLOCK 1
Legal Subdivision	HOME ADDN
Legal Block	1
Legal Lot Number	1,2
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2007
Census Tract	851301

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Elgin Historic District listed 1983 · 327 contributing resources · NRIS 83000318

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	Individual Name on Record
Mailing Address	207 S CHANNING ST, ELGIN, IL 60120-6760
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2021	Deed of Trust, Mortgage · Line of Credit KANE COUNTY TEACHERS CU
Jul 2, 2021	Warranty Deed, Transfer · Conventional Mortgage KANE COUNTY TEACHERS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 2, 2021 · Amount on Record
Deed Sale	Jul 2, 2021 · Amount on Record
Prior Sale	Feb 24, 2003 · Amount on Record
Deed Document Number	202151011
Prior Transfer Date	Aug 13, 2011
Prior Transfer Doc	0000060273
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	207 S CHANNING ST, ELGIN, IL 60120-6760
Transaction Type	Mortgage
Record Updated	Jul 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000052177
Date	Jul 7, 2021
Instrument	2021K052177

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	Jul 6, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 2, 2021
Property Address	207 S CHANNING ST, ELGIN, IL 60120-6760
Document Number	0000051011
Instrument Date	May 24, 2021
Instrument	2021K051011
Transaction Type	Transfer
Record Updated	Jul 16, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$242.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207S S CHANNING ST, ELGIN, IL 60120-6618

Mortgage

Document Number	0000051012
Date	Jul 2, 2021
Instrument	2021K051012

Lender

Name	KANE COUNTY TEACHERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jun 1, 2051

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	$5,758.00 (+26.91%) Homeowner's exemption	$83,479 (+8.57%) Land $10,861 Building $72,618	$250,537 (+8.57%) Land $32,596 Building $217,941
2024		$76,890 (+31.82%) Land $10,004 Building $66,886	$230,762 (+31.87%) Land $30,024 Building $200,738
2022	$4,537.00 (-6.74%) Homeowner's exemption	$58,330 (+6.96%) Land $8,241 Building $50,089	$174,990 (+6.96%) Land $24,723 Building $150,267
2021	$4,865.00	$54,535 Land $7,705 Building $46,830	$163,605 Land $23,115 Building $140,490

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

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	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 515 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Fox Valley Internet, T-Mobile.

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