Kane County property record for 320 W Chicago St, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,035 sqft · built 1875 |
| Lot Size | 0.1 acres (4,356 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $67,000 (Jul 1995) |
| Tax Bill | $3,814 (2025) |
| Deeds & Mortgages | Apr 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-14-405-011 |
| Primary APN | 06-14-405-011 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 5 Stories |
| Building Area | 1,035 sqft Living Area |
| Gross Area | 1,805 sqft |
| Basement Area | 770 sqft |
| Year Built | Built 1875 |
|---|---|
| Effective Year Built | Effective 1875 |
| Construction Type | Frame |
| Lot Area | 4,356 sqft (0.1 acres) |
| Street Address | 320 W CHICAGO ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-5406 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | W C KIMBALLS PLAT OF WEST ELGIN WEST 1/2 LOT 7 BLOCK 34 |
| Legal Subdivision | WEST ELGIN WEST |
| Legal Block | 34 |
| Legal Lot Number | 7 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 851101 |
320 W Chicago St is owned and occupied by two individuals who bought it in July 1995.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 320 W CHICAGO ST, ELGIN, IL 60123-5406 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 27, 1995 · Amount on File |
| Deed Sale | Jul 27, 1995 · Amount on File |
| Deed Document Number | 199541802 |
| Deed Book / Page | 1111 / 703 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 320 W CHICAGO ST, ELGIN, IL 60123-5406 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | GREATER ILLINOIS TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000014376 |
|---|---|
| Date | Apr 15, 2019 |
| Instrument | 2019K014376 |
| Name | DITECH FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WASHINGTON, PA 19034 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | May 1, 2029 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.5% |
The 2025 property tax bill for 320 W Chicago St was $3,814 with a homeowner's exemption.
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,814.00 Homeowner's exemption | $58,003 (+8.57%) Land $11,755 Building $46,248 | $174,079 (+8.57%) Land $35,279 Building $138,800 |
| 2024 | $53,424 Land $10,827 Building $42,597 | $160,336 Land $32,494 Building $127,842 | |
| 2022 | $3,295.00 (+5.1%) Homeowner's exemption | $44,009 (+6.96%) Land $8,919 Building $35,090 | $132,027 (+6.96%) Land $26,757 Building $105,270 |
| 2021 | $3,135.00 Homeowner's exemption | $41,146 Land $8,339 Building $32,807 | $123,438 Land $25,017 Building $98,421 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 320 W Chicago 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.
The area around 320 W Chicago St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
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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