228 Elm St, Elgin, IL 60123 Property Records

Kane County property record for 228 Elm St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,226 sqft · built 1900
Lot Size	0.265 acres (11,524 sqft)
Owner	2 Individual Names on Record
Last Sale	$195,000 (Jul 2002)
Tax Bill	$7,352 (2025)
Deeds & Mortgages	Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-14-458-021`

Property Details

APN / Parcel Number

Primary APN	`06-14-458-021`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,226 sqft Living Area
Gross Area	3,339 sqft
Basement Area	1,113 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	11,524 sqft (0.265 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	228 ELM ST
City	ELGIN
State	IL
Zip	60123-6305
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LORDS 2ND ADDN EXCEPT WEST 48 FT LOTS 6 & 1 BLOCK 4
Legal Subdivision	LORDS 2ND ADDN
Legal Block	4
Legal Lot Number	6,1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1017
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	228 ELM ST, ELGIN, IL 60123-6305
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2002 · Amount on Record
Deed Sale	Jul 22, 2002 · Amount on Record
Deed Document Number	200290027
Record Updated	Oct 29, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	228 ELM ST, ELGIN, IL 60123-6305
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000050155
Date	Sep 25, 2017
Instrument	2017K050155

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2032

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	$7,352.00 (+15.85%) Homeowner's exemption	$104,377 (+8.57%) Land $22,109 Building $82,268	$313,256 (+8.57%) Land $66,354 Building $246,903
2024		$96,138 (+21.39%) Land $20,364 Building $75,774	$288,529 (+21.44%) Land $61,116 Building $227,413
2022	$6,346.00 (+4.55%) Homeowner's exemption	$79,195 (+6.96%) Land $16,775 Building $62,420	$237,585 (+6.96%) Land $50,325 Building $187,260
2021	$6,070.00 Homeowner's exemption	$74,041 Land $15,683 Building $58,358	$222,123 Land $47,049 Building $175,074

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	Low lower than 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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