Kane County property record for 224 2nd St, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,532 sqft · built 1940 |
| Lot Size | 0.271 acres (11,792 sqft) |
| Owner | Individual Name on File |
| Last Sale | $173,000 (Sep 2004) |
| Tax Bill | $5,321 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Oct 2017 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-21-227-016 |
| Primary APN | 06-21-227-016 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,532 sqft Living Area |
| Gross Area | 2,298 sqft |
| Basement Area | 766 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Traditional |
| Construction Type | Frame |
| Lot Area | 11,792 sqft (0.271 acres) |
| Lot Dimensions | 186 ft deep x 63 ft wide |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Street Address | 224 2ND ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-5859 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | FOX RIVER HILLS MAP 1 LOT 5 |
| Legal Subdivision | FOX RIVER HILLS |
| Legal Block | 3 |
| Legal Lot Number | 5 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3038 |
| Census Tract | 851904 |
Source: Kane County records · APN 06-21-227-016
Assessment roll updated August 25, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 224 2ND ST, ELGIN, IL 60123-5859 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 09, 2021 | Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Oct 30, 2017 | Loan Modification, Mortgage · FHA Mortgage JP MORGAN CHASE BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 16, 2004 · Amount on Record |
| Deed Sale | Sep 16, 2004 · Amount on Record |
| Deed Document Number | 2004122498 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 224 2ND ST, ELGIN, IL 60123-5859 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000027822 |
|---|---|
| Date | Apr 09, 2021 |
| Instrument | 2021K027822 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 352 Months |
| Due | Aug 01, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 224 2ND ST, ELGIN, IL 60123-5859 |
| Document Number | 0000058960 |
| Instrument Date | Oct 30, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 28, 2018 |
| Name | Verified Name |
|---|---|
| Address | 224 2ND ST ELGIN IL 601235859, ELGIN, IL 60123-5859 |
| Document Number | 0000058960 |
|---|---|
| Date | Nov 09, 2017 |
| Instrument | 58960 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | MONROE, LA 71203 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 08, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.75% |
Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 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 | $5,321.00 (+15.82%) Homeowner's exemption | ||
| 2024 | $71,790 (+21.39%) Land $19,086 Building $52,704 | $215,456 (+21.44%) Land $57,281 Building $158,175 | |
| 2022 | $4,594.00 (+4.77%) Homeowner's exemption | $59,139 (+6.96%) Land $15,723 Building $43,416 | $177,417 (+6.96%) Land $47,169 Building $130,248 |
| 2021 | $4,385.00 Homeowner's exemption | $55,291 Land $14,700 Building $40,591 | $165,873 Land $44,100 Building $121,773 |
Source: FEMA National Flood Hazard Layer as of October 8, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2020) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2020 · rainfall accumulation |
| Wildfire Risk | Low lower than 99.1% of the US · lower than 94% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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 as of December 31, 2025 · 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 Fixed Wireless · Fiber, DSL in parts of the area | 100 / 20 |
May also be available: Opiquad.
Based on FCC filings for 234 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of 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.
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