314 Locust St, Elgin, IL 60123 Property Records

Kane County property record for 314 Locust St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,364 sqft · built 1910
Lot Size	0.164 acres (7,128 sqft)
Owner	2 Individual Names on Record
Last Sale	$127,000 (Sep 1996)
Tax Bill	$6,552 (2025)
Deeds & Mortgages	Feb 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`06-14-410-021`

Property Details

APN / Parcel Number

Primary APN	`06-14-410-021`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,364 sqft Living Area
Gross Area	3,546 sqft
Basement Area	1,182 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Construction Type	Frame
Lot Area	7,128 sqft (0.164 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	314 LOCUST ST
City	ELGIN
State	IL
Zip	60123-6380
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L M KELLEYS SUB PART OF LOT 14 OF W C KIMBALLS ADDN
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 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	314 LOCUST ST, ELGIN, IL 60123-6380
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 1996 · Amount on Record
Deed Sale	Sep 20, 1996 · Amount on Record
Deed Document Number	199667434
Record Updated	Sep 20, 2026

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Feb 14, 2023
Property Address	314 LOCUST ST, ELGIN, IL 60123-6380
Document Number	0000004626
Instrument Date	Jan 16, 2023
Instrument	2023K004626
Transaction Type	Transfer
Record Updated	Feb 27, 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
Relationship	Joint Tenants
Address	314 LOCUST ST, ELGIN, IL 60123-6380

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	$6,552.00 (+25.49%)	$85,886 (+8.57%) Land $14,096 Building $71,790	$257,761 (+8.57%) Land $42,305 Building $215,456
2024		$79,106 (+31.38%) Land $12,983 Building $66,123	$237,413 (+31.43%) Land $38,965 Building $198,448
2022	$5,221.00 (+3.96%)	$60,213 (+6.96%) Land $10,695 Building $49,518	$180,639 (+6.96%) Land $32,085 Building $148,554
2021	$5,022.00	$56,295 Land $9,999 Building $46,296	$168,885 Land $29,997 Building $138,888

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	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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