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232 Standish St, Elgin, IL 60123 Property Records

Kane County property record for 232 Standish St, Elgin, IL 60123

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 2,286 sqft · built 1890
Lot Size0.21 acres (9,148 sqft)
OwnerIndividual Name on File
Last Sale$250,000 (Aug 2021)
Tax Bill$7,834 (2025)
Deeds & MortgagesAug 2021 Sale & Mortgage
Jul 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN06-14-478-018

Property Details

APN / Parcel Number

Primary APN06-14-478-018

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories2 Stories
Building Area2,286 sqft Living Area
Gross Area3,483 sqft
Basement Area1,197 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1890
Effective Year BuiltEffective 1890
Architectural StyleVictorian
Construction TypeFrame
Lot Area9,148 sqft (0.21 acres)
Garage TypeDetached
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemHVAC
Water SourceCommercial

Location & Zoning

Street Address232 STANDISH ST
CityELGIN
StateIL
Zip60123-6421
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionCOUNTY CLERKS SUB EAST 80.5 FT FRONT OF WEST 447 FT OF SOUTH 132 FT LOT L
Legal SubdivisionCOUNTY CLERKS SUB
Legal Block1
Legal Lot NumberL
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group1
Census Block1003
Census Tract851600

Owner

Source: Kane County assessment roll, APN 06-14-478-018, as of 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 RecordIndividual Name on File
Mailing Address232 STANDISH ST, ELGIN, IL 60123-6421
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 13, 2021Warranty Deed, Transfer · FHA Mortgage
WATERMAN STATE BANK
Jul 22, 2020Intrafamily Transfer, Transfer · Conventional Mortgage
DRAPER & KRAMER MORTGAGE CORP

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleAug 13, 2021 · Amount on Record
Deed SaleAug 13, 2021 · Amount on Record
Prior SaleJul 06, 2012 · Amount on Record
Deed Document Number202162076
Prior Transfer DateJul 10, 2020
Prior Transfer Doc0000039909
Record UpdatedSep 20, 2026

August 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateAug 13, 2021
Property Address232 STANDISH ST, ELGIN, IL 60123-6421
Document Number0000062076
Instrument DateJul 22, 2021
Instrument2021K062076
Transaction TypeTransfer
Record UpdatedAug 25, 2021
Title CompanyNOT AVAILABLE, CT

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$250.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address232 STANDISH ST, 232, ELGIN, IL 60123-6421

Transferred To (Grantee/Buyer)

NameVerified Name
Address232 STANDISH ST, ELGIN, IL 60123-6421

Mortgage

Document Number0000062077
DateAug 13, 2021
Instrument2021K062077
Lender
NameWATERMAN STATE BANK
TypeBank
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueAug 01, 2051

July 2020: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionKANE IL
Recording DateJul 22, 2020
Property Address232 STANDISH ST, ELGIN, IL 60123-6421
Document Number0000039909
Instrument DateJul 10, 2020
Instrument2020K039909
Transaction TypeTransfer
Record UpdatedJul 27, 2021
Title CompanyFIDELITY NATIONAL TITLE

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address232 STANDISH ST, ELGIN, IL 60123-6421
InvestorPossibly a Property Investor

Mortgage

Document Number0000039910
DateJul 22, 2020
Instrument2020K039910
Lender
NameDRAPER & KRAMER MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2050
Interest
Rate TypeFixed Rate
Rate3.87%

Tax Assessment & Valuation

Source: Kane County assessment roll as of August 25, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionElgin Township
MunicipalityElgin City
Unified School DistrictSchool 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.

YearTax BillAssessed ValueAssessed Market Value
2025$7,834.00 (+15.85%) Homeowner's exemption
2024$101,954 (+21.39%) Land $16,571 Building $85,383$305,984 (+21.44%) Land $49,733 Building $256,252
2022$6,762.00 (+4.51%) Homeowner's exemption$83,987 (+6.96%) Land $13,651 Building $70,336$251,961 (+6.96%) Land $40,953 Building $211,008
2021$6,470.00 Homeowner's exemption$78,522 Land $12,763 Building $65,759$235,566 Land $38,289 Building $197,277

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), as of October 8, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskLow
lower than 98% of the US · lower than 86% of Illinois
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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

Internet Providers

Source: FCC Broadband Data Collection, 440 locations within half a mile, as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Radiate Holdings
Cable		1,500 / 50
T-Mobile USA
Fixed Wireless		100 / 20
AT&T
DSL · Fiber in parts of the area		100 / 20

May also be available: Opiquad, Verizon.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system IL0894380, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemELGIN
serves 114,797 people
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 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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