318 Locust St, Elgin, IL 60123 Property Records

Kane County property record for 318 Locust St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,856 sqft · built 1900
Lot Size	0.145 acres (6,335 sqft)
Owner	Individual Name on File
Last Sale	$275,000 (Oct 2023)
Tax Bill	$6,916 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Aug 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`06-14-410-011`

Property Details

APN / Parcel Number

Primary APN	`06-14-410-011`

Interior

Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,856 sqft Living Area
Gross Area	2,784 sqft
Basement Area	928 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	6,335 sqft (0.145 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	318 LOCUST ST
City	ELGIN
State	IL
Zip	60123-0816
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W C KIMBALLS ADDN EAST 50 FT EXCEPT NORTH 21.5 FT COUNTY CLERKS SUB 85 BLOCK 14
Legal Subdivision	COUNTY CLERKS SUB
Legal Block	14
Legal Lot Number	14
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1004
Census Tract	851600

Owner

318 Locust St is owned and occupied by an individual who bought it in October 2023.

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

Owner of Record	Individual Name on File
Mailing Address	318 LOCUST ST, ELGIN, IL 60123-0816
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
Oct 17, 2023	Warranty Deed, Transfer · FHA Mortgage LOWER LLC
Aug 22, 2022	Warranty Deed, Transfer BURNET TITLE-POST CLOSING, BURNET TITLE POST CLOSING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 17, 2023 · Amount on File
Deed Sale	Oct 17, 2023 · Amount on File
Prior Sale	Aug 22, 2022 · Amount on File
Deed Document Number	202336424
Prior Transfer Date	Aug 29, 1996
Prior Transfer Doc	0000065388
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 17, 2023
Property Address	318 LOCUST ST, ELGIN, IL 60123-0816
Document Number	0000036424
Instrument Date	Oct 6, 2023
Instrument	2023K036424
Transaction Type	Transfer
Record Updated	Oct 25, 2023
Title Company	CITYWIDE TITLE CORPORATION, CITYWIDE TITLE CORPORTION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$275.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 LOCUST ST, ELGIN, IL 60123-0816

Mortgage

Document Number	0000036425
Date	Oct 17, 2023
Instrument	2023K036425

Lender

Name	LOWER LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.75%

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 22, 2022
Property Address	318 LOCUST ST, ELGIN, IL 60123-0816
Document Number	0000042418
Instrument Date	Aug 3, 2022
Instrument	2022K042418
Transaction Type	Transfer
Record Updated	Aug 26, 2022
Title Company	BURNET TITLE-POST CLOSING, BURNET TITLE POST CLOSING

Transaction

Amount	Amount on Record
Tax	$245.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 LOCUST ST, ELGIN, IL 60123-0816

Tax Assessment & Valuation

The 2025 property tax bill for 318 Locust St was $6,916.

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	$6,916.00	$90,654 (+12.72%) Land $14,693 Building $75,961	$272,071 (+12.72%) Land $44,097 Building $227,974
2024		$80,427 Land $13,533 Building $66,894	$241,378 Land $40,615 Building $200,762
2022	$4,790.00 (+4.75%) Homeowner's exemption	$61,243 (+6.96%) Land $11,148 Building $50,095	$183,729 (+6.96%) Land $33,444 Building $150,285
2021	$4,573.00 Homeowner's exemption	$57,258 Land $10,423 Building $46,835	$171,774 Land $31,269 Building $140,505

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 318 Locust 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

Wildfire risk around 318 Locust St is low, with less than a 0.01% annual chance of 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.

Nearby Properties on Locust St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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