242 2nd St, Elgin, IL 60123 Property Records

Kane County property record for 242 2nd St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,044 sqft · built 1955
Lot Size	0.271 acres (11,792 sqft)
Owner	Individual Name on Record
Last Sale	$215,000 (May 2022)
Tax Bill	$5,291 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-21-227-020`

Property Details

APN / Parcel Number

Primary APN	`06-21-227-020`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,044 sqft Living Area
Gross Area	1,828 sqft
1st Floor Area	1,044 sqft
Basement Area	784 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Construction Type	Frame
Foundation Type	Raised
Lot Area	11,792 sqft (0.271 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	242 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 9
Legal Subdivision	FOX RIVER HILLS
Legal Block	3
Legal Lot Number	9
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3038
Census Tract	851904

Owner

Source: Kane County records, as of October 19, 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 Record
Mailing Address	242 2ND ST, ELGIN, IL 60123-5859
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 2, 2022	Warranty Deed, Transfer · FHA Mortgage GENEVA FINANCIAL LLC
Sep 3, 2019	Deed, Transfer · FHA Mortgage FIRST CENTENNIAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 2, 2022 · Amount on Record
Deed Sale	May 2, 2022 · Amount on Record
Prior Sale	Sep 3, 2019 · Amount on Record
Deed Document Number	202223648
Prior Transfer Date	Aug 2, 2011
Prior Transfer Doc	0000048322
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 2, 2022
Property Address	242 2ND ST, ELGIN, IL 60123-5859
Document Number	0000023648
Map Reference	MB 28 PG17 DOC476777
Instrument Date	Apr 27, 2022
Instrument	2022K023648
Transaction Type	Transfer
Record Updated	May 6, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$215.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	667 LUDA ST, 667, ELGIN, IL 60120-2230

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	242 2ND ST, ELGIN, IL 60123-5859

Mortgage

Document Number	0000023649
Date	May 2, 2022
Instrument	2022K023649

Lender

Name	GENEVA FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

Interest

Rate Type	Fixed Rate
Rate	5.25%

September 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	Sep 3, 2019
Property Address	242 2ND ST, ELGIN, IL 60123-5859
Document Number	0000040229
Map Reference	MB28 PG17 DOC476777
Instrument Date	Aug 7, 2019
Instrument	2019K040229
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	ATTORNEYS TTL GUARANTY FUND

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$166.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	242 2ND ST, ELGIN, IL 60123-5859

Mortgage

Document Number	0000040230
Date	Sep 3, 2019
Instrument	2019K040230

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4.12%

Mortgage

Document Number	0000040231
Date	Sep 3, 2019
Instrument	2019K040231

Lender

Name	ILLINOIS HOUSING DEVELOPMENT AUTHORITY
Type	Government Agency
Address	CHICAGO, IL 60601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

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	$5,291.00 (+15.83%) Homeowner's exemption	$77,546 (+8.57%) Land $20,722 Building $56,824	$232,731 (+8.57%) Land $62,191 Building $170,540
2024		$71,425 (+21.39%) Land $19,086 Building $52,339	$214,361 (+21.44%) Land $57,281 Building $157,080
2022	$4,568.00 (+4.79%) Homeowner's exemption	$58,838 (+6.96%) Land $15,723 Building $43,115	$176,514 (+6.96%) Land $47,169 Building $129,345
2021	$4,359.00 Homeowner's exemption	$55,009 Land $14,700 Building $40,309	$165,027 Land $44,100 Building $120,927

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 · 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
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2020 · rainfall accumulation

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

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

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

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 234 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber, DSL in parts of the area	100 / 20

May also be available: Fox Valley Internet.

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