322 Orange St, Elgin, IL 60123 Property Records

Kane County property record for 322 Orange St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,710 sqft · built 1920
Lot Size	0.223 acres (9,700 sqft)
Owner	2 Individual Names on Record
Last Sale	$195,000 (May 2018)
Tax Bill	$6,167 (2025)
Deeds & Mortgages	Jun 2021 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-23-276-018`

Property Details

APN / Parcel Number

Primary APN	`06-23-276-018`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,710 sqft Living Area
Gross Area	2,565 sqft
Basement Area	855 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Construction Type	Frame
Lot Area	9,700 sqft (0.223 acres)
Lot Dimensions	194 ft deep x 50 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	322 ORANGE ST
City	ELGIN
State	IL
Zip	60123-7646
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	D E WOODS ADDN LOT 11 BLOCK 7
Legal Subdivision	D E WOODS ADDN
Legal Block	7
Legal Lot Number	11
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2013
Census Tract	851600

Owner

Source: Kane County records, as of July 21, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	322 ORANGE ST, ELGIN, IL 60123-7646
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
May 30, 2018	Warranty Deed, Transfer · FHA Mortgage PERL MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 2018 · Amount on Record
Deed Sale	May 30, 2018 · Amount on Record
Prior Sale	Apr 29, 2014 · Amount on Record
Deed Document Number	201824867
Last Transfer Date	May 27, 2021
Transfer Doc	0000044671
Record Updated	Sep 20, 2026

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Jun 11, 2021
Property Address	322 ORANGE ST, ELGIN, IL 60123-7646
Document Number	0000044671
Map Reference	DOC 2018K024867
Instrument Date	May 27, 2021
Instrument	2021K044671
Transaction Type	Transfer
Record Updated	Jun 28, 2021

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	Joint Tenants with Right of Survivorship
Address	322 ORANGE ST, ELGIN, IL 60123-7646

Mortgage

Document Number	0000044672
Date	Jun 11, 2021
Instrument	2021K044672

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	325 Months
Due	Jul 1, 2048

Interest

Rate Type	Fixed Rate
Rate	3.49%

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 30, 2018
Property Address	322 ORANGE ST, ELGIN, IL 60123-7646
Document Number	0000024867
Instrument Date	Apr 17, 2018
Instrument	2018K024867
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	ADVISORS TITLE NETWORK LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$195.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	322 ORANGE ST, 322, ELGIN, IL 60123-7646

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	6830 VALLEY VIEW ST, HANOVER PARK, 00000

Mortgage

Document Number	0000024868
Date	May 30, 2018
Instrument	2018K024868

Lender

Name	PERL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2048

Interest

Rate	4.75%

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	$6,167.00 (+15.81%) Homeowner's exemption
2024		$81,834 (+21.39%) Land $16,695 Building $65,139	$245,600 (+21.44%) Land $50,105 Building $195,495
2022	$5,325.00 (+4.68%) Homeowner's exemption	$67,412 (+6.96%) Land $13,753 Building $53,659	$202,236 (+6.96%) Land $41,259 Building $160,977
2021	$5,087.00 Homeowner's exemption	$63,025 Land $12,858 Building $50,167	$189,075 Land $38,574 Building $150,501

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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