320 Orchard St, Elgin, IL 60123 Property Records

Kane County property record for 320 Orchard St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,152 sqft · built 1880
Lot Size	0.225 acres (9,801 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (Dec 2023)
Tax Bill	$4,789 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Oct 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`06-23-205-015`

Property Details

APN / Parcel Number

Primary APN	`06-23-205-015`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	5 Stories
Building Area	1,152 sqft Living Area
Gross Area	2,004 sqft
Basement Area	852 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Construction Type	Frame
Lot Area	9,801 sqft (0.225 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	320 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 LOT 16 BLOCK 3
Legal Subdivision	J C&W H KIMBALLS 3RD ADDN
Legal Block	3
Legal Lot Number	16
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2006
Census Tract	851600

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	320 ORCHARD ST, ELGIN, IL 60123-7520
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2023	Deed, Transfer · Conventional Mortgage LOWER LLC
Oct 11, 2022	Intrafamily Transfer, Transfer ACCOMMODATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 27, 2023 · Amount on Record
Deed Sale	Dec 27, 2023 · Amount on Record
Deed Document Number	202345105
Prior Transfer Date	Aug 19, 2022
Prior Transfer Doc	0000049960
Record Updated	Sep 20, 2026

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	Dec 27, 2023
Property Address	320 ORCHARD ST, ELGIN, IL 60123-7520
Document Number	0000045105
Instrument Date	Dec 21, 2023
Instrument	2023K045105
Transaction Type	Transfer
Record Updated	Jan 8, 2024
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 ORCHARD ST, ELGIN, IL 60123-7520

Mortgage

Document Number	0000045106
Date	Dec 27, 2023
Instrument	2023K045106

Lender

Name	LOWER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

Interest

Rate Type	Fixed Rate
Rate	6.99%

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Oct 11, 2022
Property Address	320 ORCHARD ST, ELGIN, IL 60123-7520
Document Number	0000049960
Instrument Date	Aug 19, 2022
Instrument	2022K049960
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

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
Relationship	Revocable Trust
Address	320 ORCHARD ST, ELGIN, IL 60123-7520

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	$4,789.00 (+29.33%)	$70,785 (+8.57%) Land $19,861 Building $50,924	$212,440 (+8.57%) Land $59,607 Building $152,833
2024		$65,197 (+21.39%) Land $18,293 Building $46,904	$195,669 (+21.44%) Land $54,901 Building $140,768
2022	$3,703.00 (+5.86%) Homeowner's exemption	$53,707 (+6.96%) Land $15,069 Building $38,638	$161,121 (+6.96%) Land $45,207 Building $115,914
2021	$3,498.00 Homeowner's exemption	$50,212 Land $14,088 Building $36,124	$150,636 Land $42,264 Building $108,372

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 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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