3124 Valley Falls St, Elgin, IL 60124 Property Records

Kane County property record for 3124 Valley Falls St, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,362 sqft · built 2007
Owner	Individual Name on Record
Last Sale	$260,000 (May 2023)
Tax Bill	$6,563 (2025)
Deeds & Mortgages	Jul 2023 Transfer May 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-18-464-082`

Property Details

APN / Parcel Number

Primary APN	`06-18-464-082`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,362 sqft Living Area
Gross Area	2,043 sqft
Basement Area	681 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Condo/Apartment
Construction Type	Frame

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	3124 VALLEY FALLS ST
City	ELGIN
State	IL
Zip	60124-8830
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROVIDENCE CONDO ASSOCIATION - 16TH AMENDMENT - UNIT 26-3124-111
Legal Subdivision	PROVIDENCE CONDO
Legal Block	2
Legal Lot Number	1-12
Legal Unit	26
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2001
Census Tract	851911

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	Individual Name on Record
Mailing Address	3124 VALLEY FALLS ST, ELGIN, IL 60124-8830
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
May 26, 2023	Warranty Deed, Transfer E-CHICAGO TITLE, CHICAGO TITLE
Jun 25, 2019	Warranty Deed, Transfer · Conventional Mortgage HOME STATE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 26, 2023 · Amount on Record
Deed Sale	May 26, 2023 · Amount on Record
Prior Sale	Jun 25, 2019 · Amount on Record
Deed Document Number	202316901
Last Transfer Date	Jul 1, 2023
Transfer Doc	0000024665
Record Updated	Sep 20, 2026

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Jul 21, 2023
Property Address	3124 VALLEY FALLS ST, ELGIN, IL 60124-8830
Document Number	0000024665
Instrument Date	Jul 1, 2023
Instrument	2023K024665
Transaction Type	Transfer
Record Updated	Aug 1, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

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	3124 VALLEY FALLS ST, ELGIN, IL 60124-8830

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 26, 2023
Property Address	3124 VALLEY FALLS ST, ELGIN, IL 60124-8830
Document Number	0000016901
Instrument Date	May 24, 2023
Instrument	2023K016901
Transaction Type	Transfer
Record Updated	Jun 6, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Tax	$260.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3124 VALLEY FALLS ST, ELGIN, IL 60124-8830

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 25, 2019
Property Address	3124 VALLEY FALLS ST, ELGIN, IL 60124-8830
Document Number	0000026718
Map Reference	DOC 2005K043004
Instrument Date	Jun 13, 2019
Instrument	2019K026718
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$205.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1859 ELDORADO DR, 1859, GENEVA, IL 60134-4334

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3124 VALLEY FALLS ST, ELGIN, IL 60124-8830

Mortgage

Document Number	0000026719
Date	Jun 25, 2019
Instrument	2019K026719

Lender

Name	HOME STATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4.12%

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	Central Community Unit School District 301 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,563.00 (+7.63%)	$91,807 (+8.57%) Land $28,236 Building $63,571	$275,531 (+8.57%) Land $84,742 Building $190,789
2024		$84,560 (+21.39%) Land $26,007 Building $58,553	$253,782 (+21.44%) Land $78,052 Building $175,729
2022	$6,098.00 (+3.71%) Homeowner's exemption	$69,657 (+6.96%) Land $21,423 Building $48,234	$208,971 (+6.96%) Land $64,269 Building $144,702
2021	$5,880.00 Homeowner's exemption	$65,124 Land $20,029 Building $45,095	$195,372 Land $60,087 Building $135,285

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 288 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

May also be available: AT&T, Verizon.

Nearby Properties on Valley Falls St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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