319 Oak St, Elgin, IL 60123 Property Records

Kane County property record for 319 Oak St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,491 sqft · built 1923
Lot Size	0.23 acres (10,000 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Aug 2022)
Tax Bill	$5,347 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-23-276-013`

Property Details

APN / Parcel Number

Primary APN	`06-23-276-013`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,491 sqft Living Area
Gross Area	2,609 sqft
1st Floor Area	1,491 sqft
Basement Area	1,118 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Construction Type	Frame
Lot Area	10,000 sqft (0.23 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	319 OAK ST
City	ELGIN
State	IL
Zip	60123-7629
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	D E WOODS ADDN LOT 15 BLOCK 7
Legal Subdivision	D E WOODS ADDN
Legal Block	7
Legal Lot Number	15
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2013
Census Tract	851600

Owner

Source: Kane County records, as of August 19, 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	319 OAK ST, ELGIN, IL 60123-7629
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2022 · Amount on Record
Deed Sale	Aug 10, 2022 · Amount on Record
Prior Sale	Oct 19, 1999 · Amount on Record
Deed Document Number	202240579
Record Updated	Sep 20, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 10, 2022
Property Address	319 OAK ST, ELGIN, IL 60123-7629
Document Number	0000040579
Instrument Date	Jul 8, 2022
Instrument	2022K040579
Transaction Type	Transfer
Record Updated	Aug 17, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$160.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1255 MALLARD DR, 1255, ELGIN, IL 60123-1460

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	319 OAK ST, ELGIN, IL 60123-7629

Mortgage

Document Number	0000040580
Date	Aug 10, 2022
Instrument	2022K040580

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

Interest

Rate	4.99%

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	$5,347.00 (+27.83%) Homeowner's exemption	$78,090 (+8.57%) Land $18,126 Building $59,964	$234,364 (+8.57%) Land $54,400 Building $179,964
2024		$71,926 (+21.39%) Land $16,695 Building $55,231	$215,864 (+21.44%) Land $50,105 Building $165,759
2022	$4,183.00 (+5.63%) Homeowner's exemption	$59,250 (+6.96%) Land $13,753 Building $45,497	$177,750 (+6.96%) Land $41,259 Building $136,491
2021	$3,960.00 Homeowner's exemption	$55,394 Land $12,858 Building $42,536	$166,182 Land $38,574 Building $127,608

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 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

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 385 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20