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326 Orchard St, Elgin, IL 60123 Property Records

Kane County property record for 326 Orchard St, Elgin, IL 60123

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,225 sqft · built 1926
Lot Size0.225 acres (9,801 sqft)
Owner2 Company Names on File
Tax Bill$4,728 (2025)
Deeds & MortgagesJan 2017 Mortgage
Oct 2020 Transfer
Flood ZoneZone X (minimal risk)
APN06-23-205-016

Property Details

APN / Parcel Number

Primary APN06-23-205-016

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms6 Rooms
Stories1 Story
Building Area1,225 sqft Living Area
Gross Area2,450 sqft
1st Floor Area1,225 sqft
Basement Area1,225 sqft

Exterior

Year BuiltBuilt 1926
Effective Year BuiltEffective 1926
Exterior MaterialBrick
Lot Area9,801 sqft (0.225 acres)
Garage TypeDetached
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemHVAC

Location & Zoning

Street Address326 ORCHARD ST
CityELGIN
StateIL
Zip60123-7520
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionJ C & W H KIMBALLS 3RD ADDN LOT 15 BLOCK 3
Legal SubdivisionJ C&W H KIMBALLS 3RD ADDN
Legal Block3
Legal Lot Number15
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group2
Census Block2006
Census Tract851600

Owner

326 Orchard St is owned by a company that acquired it in September 2020 and is owner-occupied.

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

Owner of Record2 Company Names on File
Mailing Address326 ORCHARD ST, ELGIN, IL 60123-7520
OccupancyOwner Occupied
Owner TypeCompany
VestingBorrower in Default

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

DateDocument
Jan 24, 2017Deed of Trust, Mortgage
JPMORGAN CHASE BANK NA
Oct 21, 2020Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last Transfer DateSep 1, 2020
Transfer Doc0000063223
Record UpdatedSep 20, 2026

January 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address326 ORCHARD ST, ELGIN, IL 60123-7520
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000004426
DateJan 24, 2017
Instrument2017K004426
Lender
NameJPMORGAN CHASE BANK NA
TypeBank
AddressCOLUMBUS, OH 43240
Agreement
AmountAmount on Record
Term420 Months
DueJan 13, 2052

October 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionKANE IL
Recording DateOct 21, 2020
Property Address326 ORCHARD ST, ELGIN, IL 60123-7520
Document Number0000063223
Instrument DateSep 1, 2020
Instrument63223
Transaction TypeTransfer
Record UpdatedNov 2, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address326 ORCHARD ST ELGIN IL 601237520, ELGIN, IL 60123-7520

Tax Assessment & Valuation

The 2025 property tax bill for 326 Orchard St was $4,728 with exemptions applied.

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionElgin Township
MunicipalityElgin City
Unified School DistrictSchool District U-46 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,728.00 Homeowner's exemption Senior Citizen's exemption$77,982 (+8.57%) Land $19,861 Building $58,121$234,040 (+8.57%) Land $59,607 Building $174,433
2024$71,826 Land $18,293 Building $53,533$215,564 Land $54,901 Building $160,663
2022$4,176.00 (+5.64%) Homeowner's exemption$59,168 (+6.96%) Land $15,069 Building $44,099$177,504 (+6.96%) Land $45,207 Building $132,297
2021$3,953.00 Homeowner's exemption$55,317 Land $14,088 Building $41,229$165,951 Land $42,264 Building $123,687

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 326 Orchard St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims4 (1979–1982)
Most Recent ClaimDec 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

The area around 326 Orchard 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 RiskNot 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 SystemELGIN
serves 114,797 people · EPA ID IL0894380
Water SourceSurface water
Last State InspectionAug 2025
Lead19 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting8
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

ProviderMax 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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