265 Morgan St, Elgin, IL 60123 Property Records

Kane County property record for 265 Morgan St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,448 sqft · built 1903
Lot Size	0.152 acres (6,638 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,000 (Aug 2022)
Tax Bill	$4,867 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-23-281-002`

Property Details

APN / Parcel Number

Primary APN	`06-23-281-002`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,448 sqft Living Area
Gross Area	2,172 sqft
Basement Area	724 sqft

Exterior

Year Built	Built 1903
Effective Year Built	Effective 1903
Construction Type	Frame
Lot Area	6,638 sqft (0.152 acres)
Lot Dimensions	148 ft deep x 45 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	265 MORGAN ST
City	ELGIN
State	IL
Zip	60123-7650
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE WEST 45 OF THE EAST 210 OF THE NORTH 1/2 OF BLOCK 2 OF J P MORGANS 3RD ADDN TO ELGIN
Legal Subdivision	J P MORGANS 3RD ADDN
Legal Block	2
Legal Lot Number	2
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4014
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	265 MORGAN ST, ELGIN, IL 60123-7650
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2022 · Amount on Record
Deed Sale	Aug 24, 2022 · Amount on Record
Deed Document Number	202242717
Prior Transfer Date	Mar 19, 2015
Prior Transfer Doc	0000013625
Record Updated	Sep 20, 2026

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	Aug 24, 2022
Property Address	265 MORGAN ST, ELGIN, IL 60123-7650
Document Number	0000042717
Instrument Date	Aug 19, 2022
Instrument	2022K042717
Transaction Type	Transfer
Record Updated	Aug 30, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$265.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	265 MORGAN ST, ELGIN, IL 60123-7650

Mortgage

Document Number	0000042718
Date	Aug 24, 2022
Instrument	2022K042718

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

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	$4,867.00 (+3.03%) Homeowner's exemption
2024		$66,135 (+21.39%) Land $12,722 Building $53,413	$198,484 (+21.44%) Land $38,181 Building $160,303
2022	$4,724.00 (+3.96%)	$54,480 (+6.96%) Land $10,480 Building $44,000	$163,440 (+6.96%) Land $31,440 Building $132,000
2021	$4,544.00	$50,935 Land $9,798 Building $41,137	$152,805 Land $29,394 Building $123,411

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 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