317 Mill St, #19, Elgin, IL 60123 Property Records

Kane County property record for 317 Mill St, #19, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,412 sqft · built 1900
Lot Size	0.22 acres (9,570 sqft)
Owner	Individual Name on Record
Tax Bill	$6,102 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-14-252-003`

Property Details

APN / Parcel Number

Primary APN	`06-14-252-003`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,412 sqft Living Area
Gross Area	2,392 sqft
Basement Area	980 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	9,570 sqft (0.22 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	317 MILL ST, 19
City	ELGIN
State	IL
Zip	60123-5437
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W C KIMBALLS PLAT OF WEST ELGIN EAST 1/2 OF LOT 8 (N) EAST 1/2 OF LOT 14 (M) BLOCK 38
Legal Subdivision	W C KIMBALLS PLAT
Legal Block	38
Legal Lot Number	8,14
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1008
Census Tract	851102

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	317 MILL ST, 319, ELGIN, IL 60123-5437
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BK
Jul 1, 2019	Intrafamily Transfer, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Nov 9, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2019
Deed Sale	Jul 1, 2019
Prior Sale	Sep 3, 1998 · Amount on Record
Deed Document Number	201927760
Prior Transfer Date	Jun 3, 2019
Prior Transfer Doc	0000027760
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	317 MILL ST # 19, 19, ELGIN, IL 60123-5437
Document Number	0000047762
Instrument Date	Jul 20, 2020
Transaction Type	Mortgage
Record Updated	Sep 15, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	317 MILL ST #319 ELGIN IL 601235437, 319, ELGIN, IL 60123-5437

Mortgage

Document Number	0000047762
Date	Aug 24, 2020
Instrument	47762

Lender

Name	FLAGSTAR BK
Type	Bank
Address	TROY, MI 48098-2639

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Aug 23, 2045

Interest

Rate Type	Fixed Rate
Rate	4.12%

July 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Jul 1, 2019
Property Address	317 MILL ST # 19, 19, ELGIN, IL 60123-5437
Document Number	0000027760
Instrument Date	Jun 3, 2019
Instrument	2019K027760
Transaction Type	Transfer
Record Updated	Sep 21, 2022
Title Company	NATIONAL TITLE SOLUTIONS INC

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	317 MILL ST # 319, 319, ELGIN, IL 60123-5437

Mortgage

Document Number	0000027761
Date	Jul 1, 2019
Instrument	2019K027761

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

Interest

Rate	5.62%

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Nov 9, 2018
Property Address	317 MILL ST # 19, 19, ELGIN, IL 60123-5437
Document Number	0000054894
Instrument Date	Nov 2, 2018
Instrument	54894
Transaction Type	Transfer
Record Updated	Nov 20, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	317 MILL ST ELGIN IL 601235437, ELGIN, IL 60123-5437

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	$6,102.00 (+26.13%) Homeowner's exemption	$87,989 (+8.57%) Land $16,061 Building $71,928	$264,073 (+8.57%) Land $48,202 Building $215,870
2024		$81,043 (+31.14%) Land $14,793 Building $66,250	$243,226 (+31.19%) Land $44,397 Building $198,830
2022	$4,838.00 (+4.74%) Homeowner's exemption	$61,800 (+6.96%) Land $12,186 Building $49,614	$185,400 (+6.96%) Land $36,558 Building $148,842
2021	$4,619.00 Homeowner's exemption	$57,779 Land $11,393 Building $46,386	$173,337 Land $34,179 Building $139,158

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 · 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	3 (1978–2009)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Mar 2009 · 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

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 381 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
Fox Valley Internet Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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