210 Orchard St, Elgin, IL 60123 Property Records

Kane County property record for 210 Orchard St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 864 sqft · built 1920
Lot Size	0.145 acres (6,311 sqft)
Owner	Individual Name on File
Last Sale	$245,000 (Nov 2025)
Tax Bill	$3,895 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Aug 2017 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`06-14-454-009`

Property Details

APN / Parcel Number

Primary APN	`06-14-454-009`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
Gross Area	1,728 sqft
1st Floor Area	864 sqft
Basement Area	864 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Construction Type	Frame
Lot Area	6,311 sqft (0.145 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	210 ORCHARD ST
City	ELGIN
State	IL
Zip	60123-6327
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L A WILCOXS SUB SOUTH 29 FT LOT 2 & NORTH 16 FT LOT 3
Legal Subdivision	L A WILCOXS SUB
Legal Block	1
Legal Lot Number	2,3
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1012
Census Tract	851600

Owner

210 Orchard St is owned by an individual who bought it in November 2025.

Source: Kane County records, as of July 23, 2026

Owner of Record	Individual Name on File
Mailing Address	6N147 COUNTY FARM RD, HANOVER PARK, IL 60133-5186
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2025	Warranty Deed, Transfer · Conventional Mortgage NEXERA HOLDING LLC
Aug 21, 2017	Trustee's Deed, Foreclosure · FHA Mortgage PACIFIC UNION FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 17, 2025 · Amount on File
Deed Sale	Nov 17, 2025 · Amount on File
Prior Sale	Oct 24, 2024 · Amount on File
Deed Document Number	202545569
Prior Transfer Date	Sep 26, 2008
Prior Transfer Doc	0000078383
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Nov 17, 2025
Property Address	210 ORCHARD ST, ELGIN, IL 60123-6327
Document Number	0000045569
Instrument Date	Nov 4, 2025
Instrument	2025K045569
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$245.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	427 S RIVER RD, ALGONQUIN, IL 60102-2842

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6N147 COUNTY FARM RD, HANOVER PARK, IL 60133-5186

Mortgage

Document Number	0000045570
Date	Nov 17, 2025
Instrument	2025K045570

Lender

Name	NEXERA HOLDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

Interest

Rate	8.37%

August 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	KANE IL
Recording Date	Aug 21, 2017
Property Address	210 ORCHARD ST, ELGIN, IL 60123-6327
Document Number	0000043602
Instrument Date	Aug 2, 2017
Instrument	2017K043602
Transaction Type	Foreclosure
Record Updated	Jul 27, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$140.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	210 ORCHARD ST, ELGIN, IL 60123-6327

Mortgage

Document Number	0000043603
Date	Aug 21, 2017
Instrument	2017K043603

Lender

Name	PACIFIC UNION FINANCIAL LLC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

Interest

Rate Type	Fixed Rate
Rate	3.87%

Tax Assessment & Valuation

The 2025 property tax bill for 210 Orchard St was $3,895, up 4.9% from the year before.

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	$3,895.00 (+4.9%)	$59,066 (+8.57%) Land $14,547 Building $44,519	$177,269 (+8.57%) Land $43,658 Building $133,610
2024	$3,713.00 Homeowner's exemption	$54,404 Land $13,399 Building $41,005	$163,277 Land $40,213 Building $123,064
2022	$3,365.00 (+5.09%) Homeowner's exemption	$44,817 (+6.96%) Land $11,038 Building $33,779	$134,451 (+6.96%) Land $33,114 Building $101,337
2021	$3,202.00 Homeowner's exemption	$41,901 Land $10,320 Building $31,581	$125,703 Land $30,960 Building $94,743

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

FEMA maps place 210 Orchard St in Zone X, an area of minimal flood risk.

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

The area around 210 Orchard St has no burnable land within ember reach, so its wildfire risk is not rated.

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 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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