316 Orchard St, Elgin, IL 60123 Property Records

Kane County property record for 316 Orchard St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,389 sqft · built 1900
Lot Size	0.113 acres (4,901 sqft)
Owner	Individual Name on File
Last Sale	$235,000 (Jan 2022)
Tax Bill	$4,954 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Jun 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`06-23-205-014`

Property Details

APN / Parcel Number

Primary APN	`06-23-205-014`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	5 Stories
Building Area	1,389 sqft Living Area
Gross Area	2,315 sqft
Basement Area	926 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	4,901 sqft (0.113 acres)
Garage Type	Detached
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	316 ORCHARD ST
City	ELGIN
State	IL
Zip	60123-7520
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	J C & W H KIMBALLS 3RD ADDN SOUTH 1/2 OF LOT 17 BLOCK 3
Legal Subdivision	J C&W H KIMBALLS 3RD ADDN
Legal Block	3
Legal Lot Number	17
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2006
Census Tract	851600

Owner

316 Orchard St is owned and occupied by an individual who bought it in January 2022.

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

Owner of Record	Individual Name on File
Mailing Address	316 ORCHARD ST, ELGIN, IL 60123-7520
Occupancy	Owner Occupied
Owner Type	Individual

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
Jan 18, 2022	Warranty Deed, Transfer · Conventional Mortgage INLAND BANK & TRUST
Jun 21, 2021	Warranty Deed, Transfer FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 18, 2022 · Amount on File
Deed Sale	Jan 18, 2022 · Amount on File
Prior Sale	Jun 21, 2021 · Amount on File
Deed Document Number	20223061
Record Updated	Oct 29, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 18, 2022
Property Address	316 ORCHARD ST, ELGIN, IL 60123-7520
Document Number	0000003061
Instrument Date	Dec 31, 2021
Instrument	2022K003061
Transaction Type	Transfer
Record Updated	Jan 25, 2022
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$235.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6738 W SENIOR PL, 6738, HARWOOD HEIGHTS, IL 60706-7180

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 ORCHARD ST, ELGIN, IL 60123-7520

Mortgage

Document Number	0000003062
Date	Jan 18, 2022
Instrument	2022K003062

Lender

Name	INLAND BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Fixed Rate
Rate	3.87%

Mortgage

Document Number	0000003063
Date	Jan 18, 2022
Instrument	2022K003063

Lender

Name	INLAND BANK & TRUST
Type	Bank
Address	GENEVA, IL 60134

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Feb 1, 2032

Interest

Rate	5.87%

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 21, 2021
Property Address	316 ORCHARD ST, ELGIN, IL 60123-7520
Document Number	0000047059
Instrument Date	May 26, 2021
Instrument	2021K047059
Transaction Type	Transfer
Record Updated	Jul 9, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Tax	$136.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	26W246 RIVERVIEW COURT, SAINT CHARLES, IL 60175

Tax Assessment & Valuation

The 2025 property tax bill for 316 Orchard St was $4,954 with a homeowner's exemption.

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	$4,954.00 Homeowner's exemption	$72,938 (+8.57%) Land $11,227 Building $61,711	$218,902 (+8.57%) Land $33,694 Building $185,207
2024		$67,181 Land $10,341 Building $56,840	$201,624 Land $31,035 Building $170,588
2022	$4,278.00 (+4.85%) Homeowner's exemption	$55,341 (+6.96%) Land $8,518 Building $46,823	$166,023 (+6.96%) Land $25,554 Building $140,469
2021	$4,080.00 Homeowner's exemption	$51,740 Land $7,964 Building $43,776	$155,220 Land $23,892 Building $131,328

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 316 Orchard St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1979.

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 Claims	4 (1979–1982)
Most Recent Claim	Dec 1982 · rainfall accumulation

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

The area around 316 Orchard 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 578 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: T-Mobile.

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