306 Locust St, Elgin, IL 60123 Property Records

Kane County property record for 306 Locust St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,267 sqft · built 1920
Lot Size	0.103 acres (4,465 sqft)
Owner	Company Name on Record
Last Sale	$45,000 (Mar 2015)
Tax Bill	$4,326 (2025)
Deeds & Mortgages	Mar 2024 Sale Dec 2021 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-14-410-022`

Property Details

APN / Parcel Number

Primary APN	`06-14-410-022`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,267 sqft Living Area
Gross Area	2,113 sqft
Basement Area	846 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Brick
Lot Area	4,465 sqft (0.103 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	306 LOCUST ST
City	ELGIN
State	IL
Zip	60123-0817
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L M KELLEYS SUB PART LOT 14 OF W C KIMBALLS ADDN WESTERLY 47.75 FT OF SOUTHERLY 93.5 FT BLOCK 2
Legal Subdivision	L M KELLEYS SUB
Legal Block	1
Legal Lot Number	14
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1004
Census Tract	851600

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	10 S LA SALLE ST, 2750, CHICAGO, IL 60603-1108
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2024	Deed, Transfer E-CHICAGO TITLE, CHICAGO TITLE
Dec 15, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage KANE COUNTY TEACHERS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 12, 2015 · Amount on Record
Deed Sale	Mar 12, 2015 · Amount on Record
Deed Document Number	201512193
Last Transfer Date	Feb 19, 2024
Transfer Doc	0000009256
Record Updated	Sep 20, 2026

March 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	Mar 21, 2024
Property Address	306 LOCUST ST, ELGIN, IL 60123-0817
Document Number	0000009256
Instrument Date	Feb 19, 2024
Instrument	2024K009256
Transaction Type	Transfer
Record Updated	Mar 27, 2024
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 S LA SALLE ST STE 2750, 2750, CHICAGO, IL 60603-1108

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	306 LOCUST ST, ELGIN, IL 60123-0817
Transaction Type	Mortgage
Record Updated	Dec 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000093154
Date	Dec 15, 2021
Instrument	2021K093154

Lender

Name	KANE COUNTY TEACHERS CU
Type	Credit Union
Address	ELGIN, IL 60123

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	59 Months
Due	Nov 12, 2026

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	$4,326.00 (+26.71%)	$64,707 (+8.57%) Land $10,772 Building $53,935	$194,199 (+8.57%) Land $32,329 Building $161,870
2024		$59,600 (+31.34%) Land $9,922 Building $49,678	$178,872 (+31.4%) Land $29,778 Building $149,094
2022	$3,414.00 (+5.08%) Homeowner's exemption	$45,377 (+6.96%) Land $8,174 Building $37,203	$136,131 (+6.96%) Land $24,522 Building $111,609
2021	$3,249.00 Homeowner's exemption	$42,424 Land $7,642 Building $34,782	$127,272 Land $22,926 Building $104,346

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.

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