28 S Union St, Elgin, IL 60123 Property Records

Kane County property record for 28 S Union St, Elgin, IL 60123

Property Summary

Property Type	Commercial Vacant Land
Details	5,120 sqft · built 1962
Lot Size	0.283 acres (12,312 sqft)
Owner	2 Individual Names on File
Last Sale	$500,000 (Dec 2020)
Tax Bill	$16,209 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-14-330-016`

Property Details

APN / Parcel Number

Primary APN	`06-14-330-016`

Interior

Stories	2 Stories
Building Area	5,120 sqft Gross Area

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Lot Area	12,312 sqft (0.283 acres)

Location & Zoning

Street Address	28 S UNION ST
City	ELGIN
State	IL
Zip	60123
Property Category	Commercial
Property Type	Vacant Land > Commercial
Legal Description	STOLT & EGNER SUB LOTS 1 & 2 BLOCK 2 J C & W H KIMBALLS 2ND ADDN (EXCEPT PART IN ST) & LOT 1 BLOCK 2 S WILCOX 2ND ADDN LOTS 3 & 4
Legal Subdivision	STOLT&EGNER SUB
Legal Block	2
Legal Lot Number	1,2
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2007
Census Tract	851101

Owner

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

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

Owner of Record	2 Individual Names on File
Mailing Address	25 KINGSPORT DR, SCHAUMBURG, IL 60193-4115
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 14, 2020 · Amount on File
Deed Sale	Dec 14, 2020 · Amount on File
Prior Sale	Oct 7, 2014 · Amount on File
Deed Document Number	202077801
Record Updated	Oct 29, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 14, 2020
Property Address	28 S UNION ST, ELGIN, IL 60123
Document Number	0000077801
Instrument Date	Nov 17, 2020
Instrument	2020K077801
Transaction Type	Transfer
Record Updated	Nov 25, 2021
Title Company	ALTIMA TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	953 N PLUM GROVE RD, 953, SCHAUMBURG, IL 60173-5189

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2S KINGSPORT DR, SCHAUMBURG, IL 60193-4116

Mortgage

Document Number	0000077802
Date	Dec 14, 2020
Instrument	2020K077802

Lender

Name	PEOPLES BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	120 Months
Due	Dec 2, 2030

Interest

Rate Type	Adjustable Rate
Rate	4.25%

Tax Assessment & Valuation

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	$16,209.00 (+15.96%)	$212,473 (+8.57%) Land $34,096 Building $178,377	$637,674 (+8.57%) Land $102,329 Building $535,345
2024		$195,702 (+21.39%) Land $31,405 Building $164,297	$587,341 (+21.44%) Land $94,253 Building $493,088
2022	$13,978.00 (+3.96%)	$161,212 (+6.96%) Land $25,870 Building $135,342	$483,636 (+6.96%) Land $77,610 Building $406,026
2021	$13,446.00	$150,722 Land $24,187 Building $126,535	$452,166 Land $72,561 Building $379,605

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 637 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
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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