Kane County property record for 257 Morgan St, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,570 sqft · built 1928 |
| Lot Size | 0.203 acres (8,850 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $235,000 (Sep 2022) |
| Tax Bill | $6,221 (2025) |
| Deeds & Mortgages | Sep 2022 Sale & Mortgage Jul 2022 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-23-281-004 |
| Primary APN | 06-23-281-004 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,570 sqft Living Area |
| Gross Area | 2,420 sqft |
| Basement Area | 850 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1928 |
|---|---|
| Effective Year Built | Effective 1928 |
| Construction Type | Frame |
| Lot Area | 8,850 sqft (0.203 acres) |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 257 MORGAN ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-7650 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | J P MORGANS 3RD ADDN WEST 60 FT EAST 120 FT NORTH 1/2 LOT 2 |
| Legal Subdivision | J P MORGANS 3RD ADDN |
| Legal Block | 4 |
| Legal Lot Number | 2 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 4 |
| Census Block | 4014 |
| Census Tract | 851600 |
257 Morgan St is owned and occupied by two individuals who bought it in September 2022.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 257 MORGAN ST, ELGIN, IL 60123-7650 |
| 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.
| Date | Document |
|---|---|
| Sep 19, 2022 | Deed, Transfer · FHA Mortgage GUARANTEED RATE INC |
| Jul 15, 2022 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 19, 2022 · Amount on File |
| Deed Sale | Sep 19, 2022 · Amount on File |
| Deed Document Number | 202246658 |
| Prior Transfer Date | Jul 5, 2022 |
| Prior Transfer Doc | 0000036296 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Sep 19, 2022 |
| Property Address | 257 MORGAN ST, ELGIN, IL 60123-7650 |
| Document Number | 0000046658 |
| Instrument Date | Jul 29, 2022 |
| Instrument | 2022K046658 |
| Transaction Type | Transfer |
| Record Updated | Sep 23, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $235.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 257 MORGAN ST, ELGIN, IL 60123-7650 |
| Document Number | 0000046659 |
|---|---|
| Date | Sep 19, 2022 |
| Instrument | 2022K046659 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Aug 1, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.25% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jul 15, 2022 |
| Property Address | 257 MORGAN ST, ELGIN, IL 60123-7650 |
| Document Number | 0000036296 |
| Instrument Date | Jul 5, 2022 |
| Instrument | 2022K036296 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Irrevocable Trust |
| Address | 286 BENT GRASS CIR UNIT D, D, DEKALB, IL 60115-8727 |
The 2025 property tax bill for 257 Morgan St was $6,221 with a homeowner's exemption.
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,221.00 Homeowner's exemption | $89,551 (+8.57%) Land $17,264 Building $72,287 | $268,761 (+8.57%) Land $51,813 Building $216,948 |
| 2024 | $82,482 Land $15,901 Building $66,581 | $247,545 Land $47,722 Building $199,823 | |
| 2022 | $2,588.00 (-44.77%) Homeowner's exemption | $67,945 (+6.96%) Land $13,098 Building $54,847 | $203,835 (+6.96%) Land $39,294 Building $164,541 |
| 2021 | $4,686.00 Homeowner's exemption | $63,524 Land $12,246 Building $51,278 | $190,572 Land $36,738 Building $153,834 |
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.
FEMA maps place 257 Morgan St in Zone X, an area of minimal flood risk.
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.
The area around 257 Morgan 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 385 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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