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264 Elm St, Elgin, IL 60123 Property Records

Kane County property record for 264 Elm St, Elgin, IL 60123

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,054 sqft · built 1933
Lot Size0.223 acres (9,715 sqft)
Owner2 Individual Names on File
Last Sale$180,000 (Jul 2021)
Tax Bill$7,319 (2025)
Deeds & MortgagesNov 2021 Mortgage
Jul 2021 Sale
Flood ZoneZone X (minimal risk)
APN06-23-204-007

Property Details

APN / Parcel Number

Primary APN06-23-204-007

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms7 Rooms
Stories2 Stories
Building Area2,054 sqft Living Area
Gross Area3,201 sqft
Basement Area1,147 sqft

Exterior

Year BuiltBuilt 1933
Effective Year BuiltEffective 1933
Construction TypeFrame
Lot Area9,715 sqft (0.223 acres)
Parking Spaces6 Parking Spaces

Location & Zoning

Street Address264 ELM ST
CityELGIN
StateIL
Zip60123-6388
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLORDS 2ND ADDN LOT 2 BLOCK 7
Legal SubdivisionLORDS 2ND ADDN
Legal Block7
Legal Lot Number2
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group1
Census Block1016
Census Tract851600

Owner

Source: Kane County assessment roll, APN 06-23-204-007, as of July 23, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address264 ELM ST, ELGIN, IL 60123-6388
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 04, 2021Re-recorded Document · Conventional Mortgage
CARDINAL FINANCIAL COMPANY LP
Jul 23, 2021Deed, Transfer
ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 23, 2021 · Amount on Record
Deed SaleJul 23, 2021 · Amount on Record
Deed Document Number202156634
Last Transfer DateNov 04, 2021
Transfer Doc0000083406
Record UpdatedSep 20, 2026

November 2021: Re-recorded Document

Document TypeRe-recorded Document
JurisdictionKANE IL
Recording DateNov 04, 2021
Property Address264 ELM ST, ELGIN, IL 60123-6388
Document Number0000083406
Instrument DateNov 04, 2021
Instrument2021K083406
Record UpdatedAug 05, 2022

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address264 ELM ST, ELGIN, IL 60123-6388
InvestorPossibly a Property Investor

Mortgage

Document Number0000083507
DateNov 04, 2021
Instrument2021K083507
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueNov 01, 2036
Interest
Rate TypeFixed Rate
Rate2.87%

July 2021: Deed, Transfer

Document TypeDeed
JurisdictionKANE IL
Recording DateJul 23, 2021
Property Address264 ELM ST, ELGIN, IL 60123-6388
Document Number0000056634
Instrument DateJun 15, 2021
Instrument2021K056634
Transaction TypeTransfer
Record UpdatedAug 05, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
Tax$180.00
Amount AccuracyRounded by County

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address264 ELM ST, ELGIN, IL 60123-6388
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Kane County assessment roll as of July 23, 2026 · Last verified August 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$7,319.00 (+25.86%) Homeowner's exemption$103,946 (+8.57%) Land $19,861 Building $84,085$311,963 (+8.57%) Land $59,607 Building $252,356
2024$95,741 (+31.03%) Land $18,293 Building $77,448$287,338 (+31.08%) Land $54,901 Building $232,437
2022$5,815.00 (+4.61%) Homeowner's exemption$73,068 (+6.96%) Land $15,069 Building $57,999$219,204 (+6.96%) Land $45,207 Building $173,997
2021$5,559.00 Homeowner's exemption$68,313 Land $14,088 Building $54,225$204,939 Land $42,264 Building $162,675

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 RiskNot rated
no burnable land within 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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