321 Billings St, Elgin, IL 60123 Property Records

Kane County property record for 321 Billings St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,715 sqft · built 1895
Lot Size	0.192 acres (8,349 sqft)
Owner	Individual Name on Record
Last Sale	$210,000 (Jan 2019)
Tax Bill	$7,814 (2025)
Deeds & Mortgages	Dec 2022 Transfer Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-23-231-007`

Property Details

APN / Parcel Number

Primary APN	`06-23-231-007`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,715 sqft Living Area
Gross Area	3,856 sqft
Basement Area	1,141 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1895
Construction Type	Frame
Foundation Type	Raised
Lot Area	8,349 sqft (0.192 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	321 BILLINGS ST
City	ELGIN
State	IL
Zip	60123-7619
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LORDS 2ND ADDN LOT 6 BLOCK 12
Legal Subdivision	LORDS 2ND ADDN
Legal Block	12
Legal Lot Number	6
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2000
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	321 BILLINGS ST, ELGIN, IL 60123-7619
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2022	Transfer on Death Deed, Transfer
Jan 28, 2021	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Dec 9, 2019	Deed of Trust, Mortgage · FHA Mortgage OCMBC INC
Jan 10, 2019	Warranty Deed, Transfer · FHA Mortgage OCMBC INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 10, 2019 · Amount on Record
Deed Sale	Jan 10, 2019 · Amount on Record
Prior Sale	Jul 1, 1996 · Amount on Record
Deed Document Number	20191480
Last Transfer Date	Dec 14, 2022
Transfer Doc	0000059128
Record Updated	Oct 29, 2026

December 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	KANE IL
Recording Date	Dec 16, 2022
Property Address	321 BILLINGS ST, ELGIN, IL 60123-7619
Document Number	0000059128
Instrument Date	Dec 14, 2022
Instrument	2022K059128
Transaction Type	Transfer
Record Updated	Dec 27, 2022

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

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	321 BILLINGS ST, ELGIN, IL 60123-7619
Transaction Type	Mortgage
Record Updated	Feb 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007659
Date	Jan 28, 2021
Instrument	2021K007659

Lender

Name	NEWREZ LLC
Type	Non-Lending Institution
Address	FORT WASHINGTON, PA 19034

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

Interest

Rate	2.75%

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	321 BILLINGS ST, ELGIN, IL 60123-7619
Document Number	0000062595
Instrument Date	Dec 9, 2019
Transaction Type	Mortgage
Record Updated	Jan 13, 2020
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	321 BILLINGS ST ELGIN IL 601237619, ELGIN, IL 60123-7619

Mortgage

Document Number	0000062595
Date	Dec 26, 2019
Instrument	62595

Lender

Name	OCMBC INC
Address	IRVINE, CA 92612

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 25, 2049

Interest

Rate Type	Fixed Rate

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 10, 2019
Property Address	321 BILLINGS ST, ELGIN, IL 60123-7619
Document Number	0000001480
Instrument Date	Jan 3, 2019
Instrument	1480
Transaction Type	Transfer
Record Updated	Jan 22, 2019
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$315.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	321 BILLINGS ST ELGIN IL 601237619, ELGIN, IL 60123-7619

Mortgage

Document Number	1481
Date	Jan 10, 2019
Instrument	1481

Lender

Name	OCMBC INC
Address	IRVINE, CA 92612

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 9, 2049

Interest

Rate Type	Fixed Rate
Rate	5.25%

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	$7,814.00 (+15.85%) Homeowner's exemption	$110,433 (+8.57%) Land $18,999 Building $91,434	$331,432 (+8.57%) Land $57,020 Building $274,412
2024		$101,716 (+21.39%) Land $17,499 Building $84,217	$305,270 (+21.44%) Land $52,518 Building $252,752
2022	$6,745.00 (+4.53%) Homeowner's exemption	$83,790 (+6.96%) Land $14,415 Building $69,375	$251,370 (+6.96%) Land $43,245 Building $208,125
2021	$6,453.00 Homeowner's exemption	$78,338 Land $13,477 Building $64,861	$235,014 Land $40,431 Building $194,583

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 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.

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