226 Summit St, Elgin, IL 60120 Property Records

Kane County property record for 226 Summit St, Elgin, IL 60120 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	1 Baths
Year Built	Built 1956
Square Footage	960 sqft Living Area
Lot Size	6,534 sqft (0.15 acres)
Occupancy	Owner Occupied
Last Sale	$182,500 (2020)
Tax Bill	$4,797.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`06-12-354-011`

Interior

Bedrooms	3 Beds
Full Baths	1 Baths
Total Rooms	5 Rooms
Building Area	960 sqft Living Area
Gross Area	1,920 sqft Gross Area
1st Floor	960 sqft 1st Floor
Basement Area	960 sqft Basement
Stories	1 Stories

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Construction Type	Frame Construction
Lot Area	6,534 sqft (0.15 acres)
Depth X Width	132 ft x 50 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Detached Garage

Utilities and HVAC

Cooling System	HVAC Cooling

Location & Zoning

Street Address	226 SUMMIT ST
City	ELGIN
State	IL
Zip	60120-3711
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	P J KIMBALL JRS 3RD ADDN SOUTH 49.5 FT EAST 8 RODS LOT 4 BLOCK 31
Legal Subdivision	P J KIMBALL JRS 3RD ADDN
Legal Block	31
Legal Lot Number	4
Jurisdiction	KANE IL
Minor Civil Division	ELGIN
Census Blockgroup	2
Census Block	2012
Census Tract	851302

Owner

Source: Kane County records · APN 06-12-354-011

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	226 SUMMIT ST, ELGIN, IL 60120-3711
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 21, 2020 · Amount on Record
Deed Sale	Jul 21, 2020 · Amount on Record
Prior Sale	Jun 22, 2001 · Amount on Record
Deed Doc Number	202039359
Prior Transfer Date	Apr 29, 1999
Prior Transfer Doc	0000045992
Record Refreshed	Sep 20, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 21, 2020
Property Address	226 SUMMIT ST, ELGIN, IL 60120-3711
Document Number	0000039359
Instrument Date	Jul 17, 2020
Instrument	39359
Transaction Type	Transfer
Record Updated	Aug 13, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$274.00
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	226 SUMMIT ST ELGIN IL 601203711, ELGIN, IL 60120-3711

Mortgage

Document Number	39360
Date	Jul 21, 2020
Instrument	39360

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 20, 2050

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 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

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	$4,797.00 (+15.79%) Homeowner's exemption
2024		$65,292 (+21.39%) Land $13,103 Building $52,189	$195,954 (+21.44%) Land $39,325 Building $156,630
2022	$4,143.00 (+4.86%) Homeowner's exemption	$53,786 (+6.96%) Land $10,794 Building $42,992	$161,358 (+6.96%) Land $32,382 Building $128,976
2021	$3,951.00 Homeowner's exemption	$50,286 Land $10,092 Building $40,194	$150,858 Land $30,276 Building $120,582

Flood & Wildfire

226 Summit St is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.

Flood

Source: FEMA National Flood Hazard Layer · Kane County (17089C), updated October 8, 2026

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach of burnable land

Values are read at the parcel center point; lenders make the official flood determination.