266 Watch St, Elgin, IL 60120 Property Records

Kane County property record for 266 Watch St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,121 sqft · built 1915
Lot Size	0.102 acres (4,422 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Jun 2023)
Tax Bill	$3,524 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-24-127-005`

Property Details

APN / Parcel Number

Primary APN	`06-24-127-005`

Interior

Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,121 sqft Living Area
Gross Area	2,242 sqft
1st Floor Area	1,121 sqft
Basement Area	1,121 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Construction Type	Frame
Lot Area	4,422 sqft (0.102 acres)

Location & Zoning

Street Address	266 WATCH ST
City	ELGIN
State	IL
Zip	60120-7849
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHERMANS ADDN EXCEPT WEST 2.5 FT COUNTY CLERKS SUB D & WEST 3 FT COUNTY CLERKS SUB B & C LOT 4 BLOCK 2
Legal Subdivision	COUNTY CLERKS SUB
Legal Block	2
Legal Lot Number	4
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2015
Census Tract	851301

Owner

266 Watch St is owned and occupied by an individual who bought it in June 2023.

Source: Kane County records, as of July 23, 2026

Owner of Record	Individual Name on File
Mailing Address	266 WATCH ST, ELGIN, IL 60120-7849
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2023	Warranty Deed, Transfer · FHA Mortgage LEADER ONE FINANCIAL CORP
Mar 17, 2021	Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2023 · Amount on File
Deed Sale	Jun 26, 2023 · Amount on File
Prior Sale	Mar 17, 2021 · Amount on File
Deed Document Number	202320917
Prior Transfer Date	Feb 10, 1996
Prior Transfer Doc	0000071417
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 26, 2023
Property Address	266 WATCH ST, ELGIN, IL 60120-7849
Document Number	0000020917
Instrument Date	Jun 21, 2023
Instrument	2023K020917
Transaction Type	Transfer
Record Updated	Jul 10, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1570 JEFFERSON RD, HOFFMAN ESTATES, IL 60169-3519

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	266 WATCH ST, ELGIN, IL 60120-7849

Mortgage

Document Number	0000020918
Date	Jun 26, 2023
Instrument	2023K020918

Lender

Name	LEADER ONE FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jul 1, 2043

Interest

Rate Type	Fixed Rate
Rate	7.12%

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Mar 17, 2021
Property Address	266 WATCH ST, ELGIN, IL 60120-7849
Document Number	0000020979
Instrument Date	Mar 3, 2021
Instrument	2021K020979
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Tax	$85.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	266 WATCH ST, ELGIN, IL 60120-7849

Mortgage

Document Number	0000020928
Date	Mar 17, 2021
Instrument	2021K020928

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2036

Interest

Rate	2.75%

Tax Assessment & Valuation

The 2025 property tax bill for 266 Watch St was $3,524 with a homeowner's exemption.

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	$3,524.00	$54,202 (+8.57%) Land $9,848 Building $44,354	$162,671 (+8.57%) Land $29,556 Building $133,115
2024		$49,924 Land $9,071 Building $40,853	$149,832 Land $27,224 Building $122,608
2022	$3,045.00 (+24.34%) Homeowner's exemption	$41,126 (+6.96%) Land $7,472 Building $33,654	$123,378 (+6.96%) Land $22,416 Building $100,962
2021	$2,449.00 Homeowner's exemption	$38,450 Land $6,986 Building $31,464	$115,350 Land $20,958 Building $94,392

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

FEMA maps place 266 Watch 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.

Wildfire

The area around 266 Watch 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.

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 515 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Fox Valley Internet, T-Mobile.

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