32 S Union St, Elgin, IL 60123 Property Records

Kane County property record for 32 S Union St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,342 sqft · built 1863
Lot Size	0.245 acres (10,667 sqft)
Owner	Individual Name on File
Last Sale	$68,000 (Apr 2011)
Tax Bill	$5,451 (2025)
Deeds & Mortgages	Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-14-330-020`

Property Details

APN / Parcel Number

Primary APN	`06-14-330-020`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	5 Stories
Building Area	1,342 sqft Living Area
Gross Area	2,002 sqft
Basement Area	660 sqft

Exterior

Year Built	Built 1863
Effective Year Built	Effective 1863
Exterior Material	Brick
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	10,667 sqft (0.245 acres)
Lot Dimensions	215 ft deep x 50 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	32 S UNION ST
City	ELGIN
State	IL
Zip	60123-6224
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	J C & W H KIMBALLS 2ND ADDN NORTH 1/2 LOT 4 BLOCK 2
Legal Subdivision	J C&W H KIMBALLS 2ND ADDN
Legal Block	2
Legal Lot Number	4
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2007
Census Tract	851101

Owner

Source: Kane County assessment roll, as of August 25, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	32 S UNION ST, ELGIN, IL 60123-6224
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 29, 2011 · Amount on Record
Deed Sale	Apr 29, 2011 · Amount on Record
Prior Sale	Oct 19, 2006 · Amount on Record
Deed Document Number	201126510
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	32 S UNION ST, ELGIN, IL 60123-6224
Transaction Type	Mortgage
Record Updated	Oct 26, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000079317
Date	Oct 20, 2021
Instrument	2021K079317

Lender

Name	AMERITRUST MORTGAGE CORP
Type	Mortgage Company
Address	AURORA, CO 80014

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Sep 1, 2036

Interest

Rate Type	Fixed Rate
Rate	3.5%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 2025

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	$5,451.00 (+15.83%) Homeowner's exemption
2024		$73,179 (+21.39%) Land $16,580 Building $56,599	$219,625 (+21.44%) Land $49,760 Building $169,865
2022	$4,706.00 (+4.76%) Homeowner's exemption	$60,282 (+6.96%) Land $13,658 Building $46,624	$180,846 (+6.96%) Land $40,974 Building $139,872
2021	$4,492.00 Homeowner's exemption	$56,359 Land $12,769 Building $43,590	$169,077 Land $38,307 Building $130,770

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

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	Not rated no burnable land within ember reach

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 637 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Radiate Holdings Cable	1,500 / 50
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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