256 Elm St, Elgin, IL 60123 Property Records

Kane County property record for 256 Elm St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,457 sqft · built 1883
Lot Size	0.223 acres (9,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Jan 2004)
Tax Bill	$5,834 (2025)
Deeds & Mortgages	May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-23-204-006`

Property Details

APN / Parcel Number

Primary APN	`06-23-204-006`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,457 sqft Living Area
Gross Area	2,329 sqft
Basement Area	872 sqft

Exterior

Year Built	Built 1883
Effective Year Built	Effective 1883
Construction Type	Frame
Lot Area	9,712 sqft (0.223 acres)
Lot Dimensions	149 ft deep x 65 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	256 ELM ST
City	ELGIN
State	IL
Zip	60123-6369
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LORDS 2ND ADDN LOT 10 BLOCK 7
Legal Subdivision	LORDS 2ND ADDN
Legal Block	7
Legal Lot Number	10
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1016
Census Tract	851600

Owner

Source: Kane County records, as of July 21, 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	256 ELM ST, ELGIN, IL 60123-6369
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	Jan 9, 2004 · Amount on Record
Deed Sale	Jan 9, 2004 · Amount on Record
Prior Sale	Oct 6, 1997 · Amount on Record
Deed Document Number	20045691
Last Transfer Date	Nov 13, 2015
Transfer Doc	0000065117
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	256 ELM ST, ELGIN, IL 60123-6369
Transaction Type	Mortgage
Record Updated	Jun 8, 2021
Title Company	CITYWIDE TITLE CORPORATION, CITYWIDE TITLE CORP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000040492
Date	May 25, 2021
Instrument	2021K040492

Lender

Name	T2 FINANCIAL LLC
Type	Non-Lending Institution
Address	WESTERVILLE, OH 43082

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2036

Interest

Rate Type	Fixed Rate
Rate	3%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 2025

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	$5,834.00 (+15.82%) Homeowner's exemption
2024		$77,812 (+21.39%) Land $18,293 Building $59,519	$233,529 (+21.44%) Land $54,901 Building $178,628
2022	$5,037.00 (+4.7%) Homeowner's exemption	$64,099 (+6.96%) Land $15,069 Building $49,030	$192,297 (+6.96%) Land $45,207 Building $147,090
2021	$4,811.00 Homeowner's exemption	$59,928 Land $14,088 Building $45,840	$179,784 Land $42,264 Building $137,520

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	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 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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