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221 Michigan St, Elgin, IL 60120 Property Records

Kane County property record for 221 Michigan St, Elgin, IL 60120

Property Summary

Property TypeSingle Family Home
Details5 bd · 4 ba · 2,299 sqft · built 1900
Lot Size0.7 acres (3,049 sqft)
Owner2 Individual Names on File
Last Sale$85,000 (Apr 2022)
Tax Bill$6,011 (2025)
Deeds & MortgagesApr 2022 Sale
May 2019 Loan Modification
+ 1 more
Flood ZoneZone X (minimal risk)
APN06-13-378-019

Property Details

APN / Parcel Number

Primary APN06-13-378-019

Interior

Bedrooms5 Beds
Full Baths4 Baths
Total Rooms13 Rooms
Stories2 Stories
Building Area2,299 sqft Living Area
Gross Area3,648 sqft
Basement Area1,349 sqft

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 1900
Construction TypeFrame
Lot Area3,049 sqft (0.7 acres)

Location & Zoning

Street Address221 MICHIGAN ST
CityELGIN
StateIL
Zip60120-6922
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionJAMES T GIFFORDS ADDN WESTERLY 1/2 IN WIDTH COUNTY CLERKS SUB F LOT 18
Legal SubdivisionCOUNTY CLERKS SUB
Legal Block2
Legal Lot Number18
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group2
Census Block2048
Census Tract854600

Owner

221 Michigan St is owned and occupied by two individuals who bought it in April 2022.

Source: Kane County records, as of July 23, 2026

Owner of Record2 Individual Names on File
Mailing Address221 MICHIGAN ST, ELGIN, IL 60120-6922
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Apr 27, 2022Warranty Deed, Transfer
NOT AVAILABLE, MULTIPLE
May 1, 2019Loan Modification, Mortgage
NOT AVAILABLE
Feb 3, 2018Loan Modification, Mortgage

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 27, 2022 · Amount on File
Deed SaleApr 27, 2022 · Amount on File
Prior SaleJun 4, 2008 · Amount on File
Deed Document Number202222783
Record UpdatedOct 29, 2026

April 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateApr 27, 2022
Property Address221 MICHIGAN ST, ELGIN, IL 60120-6922
Document Number0000022783
Instrument DateApr 11, 2022
Instrument2022K022783
Transaction TypeTransfer
Record UpdatedAug 5, 2022
Title CompanyNOT AVAILABLE, MULTIPLE

Transaction

AmountAmount on Record
Tax$85.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address940 BLACKHAWK DR, ELGIN, IL 60120-2004

May 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionKANE IL
Property Address221 MICHIGAN ST, ELGIN, IL 60120-6922
Document Number0000026678
Instrument DateMay 1, 2019
Transaction TypeMortgage
Record UpdatedJul 3, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address221 MICHIGAN ST ELGIN IL 601206531, ELGIN, IL 60120-6531

February 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionKANE IL
Property Address221 MICHIGAN ST, ELGIN, IL 60120-6922
Document Number0000020892
Instrument DateFeb 3, 2018
Transaction TypeMortgage
Record UpdatedJan 12, 2019

Transferred To (Grantee/Buyer)

NameVerified Name
Address221 MICHIGAN ST ELGIN IL 601206531, ELGIN, IL 60120-6531

Tax Assessment & Valuation

The 2025 property tax bill for 221 Michigan St was $6,011.

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionElgin Township
MunicipalityElgin City
Unified School DistrictSchool District U-46 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$6,011.00$78,791 (+8.57%) Land $9,075 Building $69,716$236,468 (+8.57%) Land $27,236 Building $209,232
2024$72,572 Land $8,359 Building $64,213$217,803 Land $25,087 Building $192,716
2022$5,183.00 (+3.95%)$59,783 (+6.96%) Land $6,886 Building $52,897$179,349 (+6.96%) Land $20,658 Building $158,691
2021$4,986.00$55,893 Land $6,438 Building $49,455$167,679 Land $19,314 Building $148,365

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 221 Michigan St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies6 in force
Nearby Flood Claims2 (2007–2013)
Claims Outside the SFHA1 of 2
Most Recent ClaimApr 2013 · Severe Storms, Straight-line Winds, And Flooding

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

The area around 221 Michigan St 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 RiskNot 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 SystemELGIN
serves 114,797 people · EPA ID IL0894380
Water SourceSurface water
Last State InspectionAug 2025
Lead19 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting8
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 515 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Astound Broadband
Cable · Fiber in parts of the area		1,500 / 50
Verizon
Fixed Wireless		300 / 20

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

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