Kane County property record for 2176 Niagara Ct, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,840 sqft · built 1987 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $185,000 (Apr 2000) |
| Tax Bill | $7,985 (2025) |
| Deeds & Mortgages | Oct 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-09-430-021 |
| Primary APN | 06-09-430-021 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,840 sqft Living Area |
| Gross Area | 2,590 sqft |
| Basement Area | 750 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 | 2176 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 252 |
| Legal Subdivision | VALLEY CREEK |
| Legal Block | 3 |
| Legal Lot Number | 252 |
| Legal Unit | 8 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 851909 |
Source: Kane County records · APN 06-09-430-021
Assessment roll updated July 23, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 2176 NIAGARA CT, ELGIN, IL 60123-2505 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 06, 2000 · Amount on Record |
| Deed Sale | Apr 06, 2000 · Amount on Record |
| Deed Document Number | 200024617 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 2176 NIAGARA CT, ELGIN, IL 60123-2505 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2021 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0000077735 |
|---|---|
| Date | Oct 14, 2021 |
| Instrument | 2021K077735 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Kane County records · Assessment roll updated July 23, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,985.00 (+4.87%) Homeowner's exemption Senior Citizen's exemption | $120,673 (+8.57%) Land $34,594 Building $86,079 | $362,164 (+8.57%) Land $103,824 Building $258,340 |
| 2024 | $7,614.00 (+9.01%) | $111,147 (+21.39%) Land $31,863 Building $79,284 | $333,574 (+21.44%) Land $95,627 Building $237,947 |
| 2022 | $6,985.00 (+4.96%) Homeowner's exemption | $91,559 (+6.96%) Land $26,248 Building $65,311 | $274,677 (+6.96%) Land $78,744 Building $195,933 |
| 2021 | $6,655.00 Homeowner's exemption | $85,601 Land $24,540 Building $61,061 | $256,803 Land $73,620 Building $183,183 |
Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170898519093, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 543 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Radiate Holdings Cable | 1,500 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Opiquad, T-Mobile USA.
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | ELGIN serves 114,797 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures