215 2nd St, Elgin, IL 60123 Property Records

Kane County property record for 215 2nd St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 638 sqft · built 1930
Lot Size	0.156 acres (6,795 sqft)
Owner	Individual Name on File
Last Sale	$149,900 (Mar 2026)
Tax Bill	$1,983 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-22-101-005`

Property Details

APN / Parcel Number

Primary APN	`06-22-101-005`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	638 sqft Living Area
1st Floor Area	638 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Construction Type	Frame
Lot Area	6,795 sqft (0.156 acres)

Location & Zoning

Street Address	215 2ND ST
City	ELGIN
State	IL
Zip	60123-5858
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WALTER G MCINTOSH COS FOX RIVER GARDENS NORTH 1/2 LOT 77 & ALL OF LOT 78 BLOCK 2
Legal Subdivision	WALTER G MCINTOSH COS FOX RIVER GARDENS
Legal Block	2
Legal Lot Number	77,78
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3038
Census Tract	851904

Owner

Source: Kane County assessment roll, 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 File
Mailing Address	215 2ND ST, ELGIN, IL 60123-5858
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 31, 2026 · Amount on Record
Deed Sale	Mar 31, 2026 · Amount on Record
Prior Sale	Sep 28, 2000 · Amount on Record
Deed Document Number	202612782
Prior Transfer Date	Feb 15, 2002
Prior Transfer Doc	0000025370
Record Updated	Sep 20, 2026

March 2026: Administrator's Deed, Transfer

Document Type	Administrator's Deed
Jurisdiction	KANE IL
Recording Date	Mar 31, 2026
Property Address	215 2ND ST, ELGIN, IL 60123-5858
Document Number	0000012782
Map Reference	DOC 336425
Instrument Date	Mar 17, 2026
Instrument	2026K012782
Transaction Type	Transfer
Record Updated	Apr 8, 2026
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$150.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	215 2ND ST, ELGIN, IL 60123-5858

Mortgage

Document Number	0000012783
Date	Mar 31, 2026
Instrument	2026K012783

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	8%
Type Change Date	Apr 1, 2036
Change Frequency	Annually
Min Rate At Change	6%
Max Rate At Change	10%
Index	1-Year CMT
Max Rate	14%

Mortgage

Document Number	0000012784
Date	Mar 31, 2026
Instrument	2026K012784

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2036

Interest

Rate Type	Fixed Rate
Rate	8.75%

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	$1,983.00 (+9.26%) Homeowner's exemption Senior Citizen's exemption	$42,067 (+8.57%) Land $12,336 Building $29,731	$126,252 (+8.57%) Land $37,023 Building $89,229
2024	$1,815.00 (+0.39%)	$38,746 (+21.39%) Land $11,362 Building $27,384	$116,285 (+21.44%) Land $34,100 Building $82,185
2022	$1,808.00 (+112.96%) Homeowner's exemption	$31,918 (+6.96%) Land $9,360 Building $22,558	$95,754 (+6.96%) Land $28,080 Building $67,674
2021	$849.00 Homeowner's exemption	$29,841 Land $8,751 Building $21,090	$89,523 Land $26,253 Building $63,270

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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

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.

Wildfire

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Radiate Holdings Cable	1,500 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber, DSL in parts of the area	100 / 20

May also be available: Opiquad.

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