321 Gertrude St, Elgin, IL 60123 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,222 sqft · built 1888
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$160,000 (Nov 2019)
Tax Bill	$4,459 (2025)
Deeds & Mortgages	Nov 2019 Sale & Mortgage Sep 2019 Foreclosure + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-23-132-008`

Property Details

APN / Parcel Number

Primary APN	`06-23-132-008`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	5 Stories
Building Area	1,222 sqft Living Area
Gross Area	2,062 sqft
Basement Area	840 sqft

Exterior

Year Built	Built 1888
Effective Year Built	Effective 1888
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)

Utilities, Heating & Cooling

Cooling System	None
Water Source	Commercial

Location & Zoning

Street Address	321 GERTRUDE ST
City	ELGIN
State	IL
Zip	60123-7401
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	J C & W H KIMBALLS 4TH ADDN LOT 6 BLOCK 1
Legal Subdivision	J C&W H KIMBALLS 4TH ADDN
Legal Block	1
Legal Lot Number	6
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	5
Census Block	5004
Census Tract	851600

Owner

321 Gertrude St is owned and occupied by two individuals who bought it in November 2019.

Source: Kane County records, as of July 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	321 GERTRUDE ST, ELGIN, IL 60123-7401
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2019	Warranty Deed, Transfer · Conventional Mortgage OLD SECOND NATIONAL BANK
Sep 23, 2019	Trustee's Deed, Foreclosure NOT AVAILABLE
Aug 2, 2017	Warranty Deed, Transfer · FHA Mortgage SUCCESS MORTGAGE PARTNERS INC
Mar 10, 2017	Trustee's Deed, Foreclosure Foreclosure Auction

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2019 · Amount on File
Deed Sale	Nov 4, 2019 · Amount on File
Prior Sale	Sep 23, 2019 · Amount on File
Deed Document Number	201953004
Prior Transfer Date	Apr 18, 2008
Prior Transfer Doc	0000086518
Record Updated	Oct 29, 2026

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Nov 4, 2019
Property Address	321 GERTRUDE ST, ELGIN, IL 60123-7401
Document Number	0000053004
Instrument Date	Oct 31, 2019
Instrument	2019K053004
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	WHEATLAND TITLE GUARANTY

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	558 N MCLEAN BLVD, 558, ELGIN, IL 60123-3242

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1147 RURAL ST TRLR 49, 49, AURORA, IL 60505-2594
Investor	Possibly a Property Investor

Mortgage

Document Number	0000053005
Date	Nov 4, 2019
Instrument	2019K053005

Lender

Name	OLD SECOND NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2049

September 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	KANE IL
Recording Date	Sep 23, 2019
Property Address	321 GERTRUDE ST, ELGIN, IL 60123-7401
Document Number	0000044347
Instrument Date	Aug 26, 2019
Instrument	44347
Transaction Type	Foreclosure
Record Updated	Oct 2, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	558 N MCLEAN BLVD ELGIN IL 601233242, ELGIN, IL 60123-3242

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 2, 2017
Property Address	321 GERTRUDE ST, ELGIN, IL 60123-7401
Document Number	0000040192
Instrument Date	Jul 14, 2017
Instrument	2017K040192
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	WHEATHLAND TITLE GUARNATY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$148.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21 N 4TH ST, 21, GENEVA, IL 60134-2122

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 GERTRUDE ST, ELGIN, IL 60123-7401

Mortgage

Document Number	0000040193
Date	Aug 2, 2017
Instrument	2017K040193

Lender

Name	SUCCESS MORTGAGE PARTNERS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2047

March 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	KANE IL
Recording Date	Mar 10, 2017
Property Address	321 GERTRUDE ST, ELGIN, IL 60123-7401
Document Number	0000012656
Instrument Date	Feb 27, 2017
Instrument	12656
Transaction Type	Foreclosure
Record Updated	May 3, 2017

Transaction

Amount	Amount on Record
Tax	$78.00
Additional	Foreclosure Auction Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	558 N MCLEAN BLVD ELGIN IL 601233242, ELGIN, IL 60123-3242

Tax Assessment & Valuation

The 2025 property tax bill for 321 Gertrude St was $4,459 with a homeowner's exemption.

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	$4,459.00 Homeowner's exemption	$66,453 (+8.57%) Land $18,999 Building $47,454	$199,439 (+8.57%) Land $57,020 Building $142,419
2024		$61,207 Land $17,499 Building $43,708	$183,694 Land $52,518 Building $131,176
2022	$3,851.00 (+4.93%) Homeowner's exemption	$50,420 (+6.96%) Land $14,415 Building $36,005	$151,260 (+6.96%) Land $43,245 Building $108,015
2021	$3,670.00 Homeowner's exemption	$47,139 Land $13,477 Building $33,662	$141,417 Land $40,431 Building $100,986

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

FEMA maps place 321 Gertrude St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2008.

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	1 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2008 · Severe Storms And Flooding

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

The area around 321 Gertrude 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.

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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