Kane County property record for 2158 Niagara Ct, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,198 sqft · built 1987 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | 2 Trust Names on File |
| Tax Bill | $8,491 (2025) |
| Deeds & Mortgages | May 2024 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-09-380-013 |
| Primary APN | 06-09-380-013 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,198 sqft Living Area |
| Gross Area | 2,967 sqft |
| Basement Area | 769 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Lot Area | 9,148 sqft (0.21 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|
| Street Address | 2158 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 261 |
| Legal Subdivision | VALLEY CREEK |
| Legal Block | 3 |
| Legal Lot Number | 261 |
| Legal Unit | 8 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 851909 |
2158 Niagara Ct is owner-occupied and held in a trust since October 2024.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 2158 NIAGARA CT, ELGIN, IL 60123-2505 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Oct 18, 2024 |
| Transfer Doc | 0000038296 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 2158 NIAGARA CT, ELGIN, IL 60123-2505 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2024 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000016193 |
|---|---|
| Date | May 15, 2024 |
| Instrument | 2024K016193 |
| Name | ASSOCIATED BANK NA |
|---|---|
| Type | Bank |
| Address | GREEN BAY, WI 54301 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Apr 28, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 2158 Niagara Ct was $8,491.
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,491.00 | $127,302 (+8.57%) Land $34,594 Building $92,708 | $382,059 (+8.57%) Land $103,824 Building $278,235 |
| 2024 | $117,253 Land $31,863 Building $85,390 | $351,900 Land $95,627 Building $256,273 | |
| 2022 | $7,421.00 (-1.33%) Homeowner's exemption | $96,589 (+6.96%) Land $26,248 Building $70,341 | $289,767 (+6.96%) Land $78,744 Building $211,023 |
| 2021 | $7,521.00 Homeowner's exemption | $90,304 Land $24,540 Building $65,764 | $270,912 Land $73,620 Building $197,292 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2158 Niagara Ct in Zone X, an area of minimal flood risk.
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.
The area around 2158 Niagara Ct 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.
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 |
| 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.
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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