312 North St, Elgin, IL 60120 Property Records

Kane County property record for 312 North St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,382 sqft · built 1900
Lot Size	0.97 acres (4,233 sqft)
Owner	2 Individual Names on File
Last Sale	$221,000 (Apr 2024)
Tax Bill	$5,978 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Sep 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-13-153-012`

Property Details

APN / Parcel Number

Primary APN	`06-13-153-012`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,382 sqft Living Area
Gross Area	3,734 sqft
Basement Area	1,352 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	4,233 sqft (0.97 acres)
Lot Dimensions	83 ft deep x 51 ft wide

Location & Zoning

Street Address	312 NORTH ST
City	ELGIN
State	IL
Zip	60120-5686
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	B W RAYMONDS ADDN EAST 28 FT NORTH LINE & EAST 12 IN SOUTH LINE OF 5 RODS LOT 3 & WEST 1.5 SOUTH 5 RODS
Legal Subdivision	B W RAYMONDS ADDN
Legal Block	1
Legal Lot Number	3
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1009
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

312 North St is owned by two individuals who bought it in April 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	647 WING ST, ELGIN, IL 60123-2852
Owner Type	Individual
Vesting	Joint Tenants

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
Apr 26, 2024	Warranty Deed, Transfer · Conventional Mortgage THE FEDERAL SAVINGS BANK
Sep 11, 2017	Deed of Trust, Mortgage · Line of Credit CRYSTAL LAKE BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 26, 2024 · Amount on File
Deed Sale	Apr 26, 2024 · Amount on File
Prior Sale	Dec 31, 2014 · Amount on File
Deed Document Number	202413843
Record Updated	Oct 29, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 26, 2024
Property Address	312 NORTH ST, ELGIN, IL 60120-5686
Document Number	0000013843
Instrument Date	Apr 5, 2024
Instrument	2024K013843
Transaction Type	Transfer
Record Updated	May 3, 2024
Title Company	NOT AVAILABLE, CT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$221.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3596 PRESTWICK CT, ELGIN, IL 60124-5711

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	647 WING ST, ELGIN, IL 60123-2852

Mortgage

Document Number	0000013844
Date	Apr 26, 2024
Instrument	2024K013844

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2029
Change Frequency	Annually
Min Rate At Change	7.87%
Max Rate At Change	12.8%
Index	12-Month MTA
Max Rate	12.8%

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	312 NORTH ST, ELGIN, IL 60120-5686
Document Number	0000063666
Instrument Date	Sep 11, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	FIDELITY NATIONAL TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3596 PRESTWICK CT ELGIN IL 601245711, ELGIN, IL 60124-5711
Investor	Possibly a Property Investor

Mortgage

Document Number	0000063666
Date	Dec 7, 2017
Instrument	63666

Lender

Name	CRYSTAL LAKE BK&TR
Type	Bank
Address	CRYSTAL LAKE, IL 60014

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 312 North St was $5,978.

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	$5,978.00	$78,361 (+8.57%) Land $10,486 Building $67,875	$235,177 (+8.57%) Land $31,471 Building $203,706
2024		$72,175 Land $9,658 Building $62,517	$216,612 Land $28,986 Building $187,626
2022	$4,749.00 (+3.96%)	$54,773 (+6.96%) Land $7,956 Building $46,817	$164,319 (+6.96%) Land $23,868 Building $140,451
2021	$4,568.00	$51,209 Land $7,438 Building $43,771	$153,627 Land $22,314 Building $131,313

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 312 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 312 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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