277 North St, Elgin, IL 60120 Property Records

Kane County property record for 277 North St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,030 sqft · built 1880
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$212,000 (Oct 2016)
Tax Bill	$6,915 (2025)
Deeds & Mortgages	Nov 2020 Loan Modification Mar 2019 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-13-155-006`

Property Details

APN / Parcel Number

Primary APN	`06-13-155-006`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,030 sqft Living Area
Gross Area	3,173 sqft
Basement Area	1,143 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Detached
Parking Spaces	9 Parking Spaces

Location & Zoning

Street Address	277 NORTH ST
City	ELGIN
State	IL
Zip	60120-5698
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BUCKS ADDN LOT 4 & WEST 1/2 LOT 5
Legal Subdivision	BUCKS ADDN
Legal Block	1
Legal Lot Number	4,5
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1013
Census Tract	854600

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Elgin Historic District listed 1983 · 327 contributing resources · NRIS 83000318

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

277 North St is owned and occupied by an individual who bought it in October 2016.

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

Owner of Record	Individual Name on File
Mailing Address	277 NORTH ST, ELGIN, IL 60120-5698
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2020	Loan Modification, Mortgage MIDFIRST BK
Mar 19, 2019	Loan Modification, Mortgage MIDFIRST BK
Mar 19, 2019	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 6, 2016 · Amount on File
Deed Sale	Oct 6, 2016 · Amount on File
Prior Sale	Aug 9, 2002 · Amount on File
Deed Document Number	201654503
Prior Transfer Date	Jul 18, 2016
Prior Transfer Doc	0000054502
Record Updated	Oct 29, 2026

November 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KANE IL
Property Address	277 NORTH ST, ELGIN, IL 60120-5698
Document Number	0000075576
Instrument Date	Nov 4, 2020
Transaction Type	Mortgage
Record Updated	Dec 17, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	277 NORTH ST ELGIN IL 601205698, ELGIN, IL 60120-5698
Investor	Possibly a Property Investor

Mortgage

Document Number	0000075576
Date	Dec 7, 2020
Instrument	75576

Lender

Name	MIDFIRST BK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Amount	Amount on Record

March 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KANE IL
Property Address	277 NORTH ST, ELGIN, IL 60120-5698
Document Number	0000018418
Instrument Date	Mar 19, 2019
Transaction Type	Mortgage
Record Updated	May 17, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	277 NORTH ST ELGIN IL 601205698, ELGIN, IL 60120-5698

Mortgage

Document Number	0000018418
Date	May 9, 2019
Instrument	18418

Lender

Name	MIDFIRST BK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 8, 2049

Interest

Rate Type	Fixed Rate
Rate	5%

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	277 NORTH ST, ELGIN, IL 60120-5698
Document Number	0000016676
Instrument Date	Mar 19, 2019
Transaction Type	Mortgage
Record Updated	May 7, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	277 NORTH ST ELGIN IL 601205698, ELGIN, IL 60120-5698

Mortgage

Document Number	0000016676
Date	Apr 29, 2019
Instrument	16676

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 28, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 277 North St was $6,915 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	$6,915.00 Homeowner's exemption	$98,651 (+8.57%) Land $15,807 Building $82,844	$296,071 (+8.57%) Land $47,440 Building $248,631
2024		$90,864 Land $14,559 Building $76,305	$272,701 Land $43,694 Building $229,007
2022	$5,474.00 (+4.65%) Homeowner's exemption	$69,137 (+6.96%) Land $11,993 Building $57,144	$207,411 (+6.96%) Land $35,979 Building $171,432
2021	$5,231.00 Homeowner's exemption	$64,639 Land $11,213 Building $53,426	$193,917 Land $33,639 Building $160,278

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 277 North 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 277 North 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 545 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
Fox Valley Internet Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: T-Mobile, Verizon.

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