305 Locust St, Elgin, IL 60123 Property Records

Kane County property record for 305 Locust St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Lot Size	0.239 acres (10,412 sqft)
Owner	2 Individual Names on Record
Last Sale	$26,000 (Jul 2012)
Tax Bill	$4,949 (2025)
Deeds & Mortgages	May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-14-476-039`

Property Details

APN / Parcel Number

Primary APN	`06-14-476-039`

Exterior

Lot Area	10,412 sqft (0.239 acres)

Location & Zoning

Street Address	305 LOCUST ST
City	ELGIN
State	IL
Zip	60123-6310
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W C KIMBALLS ADD COUNTY CLERKS SUB 82 & PT OF LT 11 DESC IN DOC 1482899 & 1483476 (EX DOC 1486118)
Legal Subdivision	COUNTY CLERKS SUB
Legal Block	1
Legal Lot Number	11
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1003
Census Tract	851600

Owner

Source: Kane County records, as of July 21, 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 Record
Mailing Address	305 LOCUST ST, ELGIN, IL 60123-6310
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2012 · Amount on Record
Deed Sale	Jul 20, 2012 · Amount on Record
Prior Sale	Jul 10, 1998 · Amount on Record
Deed Document Number	201247410
Last Transfer Date	Mar 23, 2021
Transfer Doc	0000038967
Record Updated	Sep 20, 2026

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	May 19, 2021
Property Address	305 LOCUST ST, ELGIN, IL 60123-6310
Document Number	0000038967
Instrument Date	Mar 23, 2021
Instrument	2021K038967
Transaction Type	Transfer
Record Updated	Aug 5, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 LOCUST ST, ELGIN, IL 60123-6310

Mortgage

Document Number	0000038968
Date	May 19, 2021
Instrument	2021K038968

Lender

Name	ASSOCIATED BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Apr 1, 2036

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	$4,949.00 (+15.96%)
2024		$59,759 (+21.39%) Land $12,512 Building $47,247	$179,349 (+21.44%) Land $37,551 Building $141,798
2022	$4,268.00 (+3.95%)	$49,227 (+6.96%) Land $10,307 Building $38,920	$147,681 (+6.96%) Land $30,921 Building $116,760
2021	$4,106.00	$46,023 Land $9,636 Building $36,387	$138,069 Land $28,908 Building $109,161

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 440 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Fox Valley Internet, Verizon.

Nearby Properties on Locust St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures