227 N Porter St, Elgin, IL 60120 Property Records

Kane County property record for 227 N Porter St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,900 sqft · built 1892
Lot Size	0.211 acres (9,180 sqft)
Owner	2 Individual Names on File
Last Sale	$189,000 (Jan 2019)
Tax Bill	$5,927 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-13-211-001`

Property Details

APN / Parcel Number

Primary APN	`06-13-211-001`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,900 sqft Living Area
Gross Area	2,850 sqft
Basement Area	950 sqft

Exterior

Year Built	Built 1892
Effective Year Built	Effective 1892
Construction Type	Frame
Lot Area	9,180 sqft (0.211 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	227 N PORTER ST
City	ELGIN
State	IL
Zip	60120-4448
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GROTE & WALDRONS 3RD ADDN LOT 7 BLOCK 4
Legal Subdivision	GROTE&WALDRONS 3RD ADDN
Legal Block	4
Legal Lot Number	7
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2004
Census Tract	851400

Owner

227 N Porter St is owned and occupied by two individuals who bought it in January 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	227 N PORTER ST, ELGIN, IL 60120-4448
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Mar 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP
Jan 7, 2019	Warranty Deed, Transfer · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 7, 2019 · Amount on File
Deed Sale	Jan 7, 2019 · Amount on File
Prior Sale	Feb 27, 2001 · Amount on File
Deed Document Number	2019671
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	227 N PORTER ST, ELGIN, IL 60120-4448
Transaction Type	Mortgage
Record Updated	Apr 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023501
Date	Mar 25, 2021
Instrument	2021K023501

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.12%

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 7, 2019
Property Address	227 N PORTER ST, ELGIN, IL 60120-4448
Document Number	0000000671
Instrument Date	Dec 4, 2018
Instrument	2019K000671
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$189.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	227 N PORTER ST, ELGIN, IL 60120-4448

Mortgage

Document Number	0000000673
Date	Jan 7, 2019
Instrument	2019K000673

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4.87%

Tax Assessment & Valuation

The 2025 property tax bill for 227 N Porter St was $5,927 with exemptions applied.

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	$5,927.00 Homeowner's exemption Senior Citizen's exemption	$93,702 (+8.57%) Land $17,878 Building $75,824	$281,218 (+8.57%) Land $53,655 Building $227,563
2024		$86,306 Land $16,467 Building $69,839	$259,022 Land $49,421 Building $209,601
2022	$5,211.00 (+5.32%) Homeowner's exemption	$71,096 (+6.96%) Land $13,565 Building $57,531	$213,288 (+6.96%) Land $40,695 Building $172,593
2021	$4,948.00 Homeowner's exemption	$66,469 Land $12,682 Building $53,787	$199,407 Land $38,046 Building $161,361

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

FEMA maps place 227 N Porter St in Zone X, an area of minimal flood risk.

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 227 N Porter 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 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 625 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
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

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

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