220 Orchard St, Elgin, IL 60123 Property Records

Kane County property record for 220 Orchard St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,288 sqft · built 1910
Lot Size	0.213 acres (9,257 sqft)
Owner	2 Individual Names on Record
Last Sale	$218,000 (Oct 2021)
Tax Bill	$5,255 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-14-454-011`

Property Details

APN / Parcel Number

Primary APN	`06-14-454-011`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	5 Stories
Building Area	1,288 sqft Living Area
Gross Area	2,224 sqft
Basement Area	936 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Construction Type	Frame
Lot Area	9,257 sqft (0.213 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	220 ORCHARD ST
City	ELGIN
State	IL
Zip	60123-6327
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L A WILCOXS SUB LOT 4
Legal Subdivision	L A WILCOXS SUB
Legal Block	1
Legal Lot Number	4
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1012
Census Tract	851600

Owner

Source: Kane County records, 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	2 Individual Names on Record
Mailing Address	220 ORCHARD ST, ELGIN, IL 60123-6327
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2021 · Amount on Record
Deed Sale	Oct 29, 2021 · Amount on Record
Prior Sale	Sep 17, 2015 · Amount on Record
Deed Document Number	202181956
Prior Transfer Date	Sep 25, 2015
Prior Transfer Doc	0000058598
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 29, 2021
Property Address	220 ORCHARD ST, ELGIN, IL 60123-6327
Document Number	0000081956
Instrument Date	Oct 29, 2021
Instrument	2021K081956
Transaction Type	Transfer
Record Updated	Nov 5, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$218.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	0000081957
Date	Oct 29, 2021
Instrument	2021K081957

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.5%

Mortgage

Document Number	0000081958
Date	Oct 29, 2021
Instrument	2021K081958

Lender

Name	ILLINOIS HOUSING DEVELOPMENT AUTHORITY
Type	Government Agency
Address	CHICAGO, IL 60601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

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	$5,255.00 (+15.8%) Homeowner's exemption	$76,894 (+8.57%) Land $18,657 Building $58,237	$230,774 (+8.57%) Land $55,993 Building $174,781
2024		$70,824 (+21.39%) Land $17,184 Building $53,640	$212,557 (+21.44%) Land $51,573 Building $160,984
2022	$4,538.00 (+4.78%) Homeowner's exemption	$58,342 (+6.96%) Land $14,155 Building $44,187	$175,026 (+6.96%) Land $42,465 Building $132,561
2021	$4,331.00 Homeowner's exemption	$54,546 Land $13,234 Building $41,312	$163,638 Land $39,702 Building $123,936

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

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

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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