2153 Niagara Ct, Elgin, IL 60123 Property Records

Kane County property record for 2153 Niagara Ct, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,087 sqft · built 1988
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$376,000 (Aug 2023)
Tax Bill	$8,779 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Aug 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-09-430-015`

Property Details

APN / Parcel Number

Primary APN	`06-09-430-015`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,087 sqft Living Area
Gross Area	2,969 sqft
Basement Area	882 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	8,712 sqft (0.2 acres)
Lot Width	81 ft Width
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	2153 NIAGARA CT
City	ELGIN
State	IL
Zip	60123-2505
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VALLEY CREEK UNIT 8 LOT 246
Legal Subdivision	VALLEY CREEK
Legal Block	3
Legal Lot Number	246
Legal Unit	8
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3004
Census Tract	851909

Owner

Source: Kane County records, as of July 21, 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	652 CATULPA AVE, BARTLETT, IL 60103
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Aug 16, 2023	Warranty Deed, Transfer · Conventional Mortgage GO MORTGAGE LLC
Jul 3, 2017	Warranty Deed, Transfer · Conventional Mortgage PLATINUM HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2023 · Amount on Record
Deed Sale	Aug 16, 2023 · Amount on Record
Prior Sale	Jul 3, 2017 · Amount on Record
Prior Transfer Date	Mar 19, 2014
Prior Transfer Doc	0000019322
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	2153 NIAGARA CT, ELGIN, IL 60123-2505
Transaction Type	Mortgage
Record Updated	Aug 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000049324
Date	Jun 28, 2021
Instrument	2021K049324

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 16, 2023
Property Address	2153 NIAGARA CT, ELGIN, IL 60123-2505
Document Number	0000028117
Instrument Date	Jul 24, 2023
Instrument	2023K028117
Transaction Type	Transfer
Record Updated	Aug 23, 2023
Title Company	CITYWIDE TITLE CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$376.00
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	2153 NIAGARA CT, ELGIN, IL 60123-2505

Mortgage

Document Number	0000028118
Date	Aug 16, 2023
Instrument	2023K028118

Lender

Name	GO MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.87%

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 3, 2017
Property Address	2153 NIAGARA CT, ELGIN, IL 60123-2505
Document Number	0000034101
Instrument Date	May 17, 2017
Instrument	2017K034101
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	CITYWIDE TITLE CORP

Transaction

Amount	Amount Recorded
Tax	$105.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2153 NIAGARA CT, ELGIN, IL 60123-2505

Mortgage

Document Number	0000034102
Date	Jul 3, 2017
Instrument	2017K034102

Lender

Name	PLATINUM HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

Source: Kane County assessment roll, as of December 26, 2025

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	$8,779.00 (+15.86%)
2024		$113,365 (+21.39%) Land $31,863 Building $81,502	$340,231 (+21.44%) Land $95,627 Building $244,604
2022	$7,577.00 (+4.45%) Homeowner's exemption	$93,387 (+6.96%) Land $26,248 Building $67,139	$280,161 (+6.96%) Land $78,744 Building $201,417
2021	$7,254.00 Homeowner's exemption	$87,310 Land $24,540 Building $62,770	$261,930 Land $73,620 Building $188,310

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	3 in force

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	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 543 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
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

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

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