327 Silver St, Elgin, IL 60123 Property Records

Kane County property record for 327 Silver St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,388 sqft · built 1863
Lot Size	0.119 acres (5,193 sqft)
Owner	2 Individual Names on Record
Last Sale	$295,000 (Jul 2026)
Tax Bill	$4,238 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jan 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-14-132-002`

Property Details

APN / Parcel Number

Primary APN	`06-14-132-002`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,388 sqft Living Area
Gross Area	2,384 sqft
Basement Area	996 sqft

Exterior

Year Built	Built 1863
Effective Year Built	Effective 1863
Construction Type	Frame
Lot Area	5,193 sqft (0.119 acres)
Lot Width	52 ft Width
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	327 SILVER ST
City	ELGIN
State	IL
Zip	60123-3522
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WASHERS SUB LOT 3
Legal Subdivision	WASHERS SUB
Legal Block	1
Legal Lot Number	3
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1003
Census Tract	851102

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	2 Individual Names on Record
Mailing Address	2001 MISSION HILLS DR, ELGIN, IL 60123-6523
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2026	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF OMAHA
Jan 6, 2021	Warranty Deed, Transfer · Conventional Mortgage WINTRUST MORTGAGE
Jan 20, 2017	Warranty Deed, Transfer · FHA Mortgage STEARNS LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2026 · Amount on Record
Deed Sale	Jul 16, 2026 · Amount on Record
Prior Sale	Jan 6, 2021 · Amount on Record
Deed Document Number	202630063
Prior Transfer Date	Feb 23, 2011
Prior Transfer Doc	0000013380
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 16, 2026
Property Address	327 SILVER ST, ELGIN, IL 60123-3522
Document Number	0000030063
Instrument Date	Jun 30, 2026
Instrument	202630063
Transaction Type	Transfer
Record Updated	Jul 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$44,692.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2001 MISSION HILLS DR, ELGIN, IL 60123-6523

Mortgage

Document Number	0000030064,
Date	Jul 16, 2026
Instrument	202630064

Lender

Name	FIRST NATIONAL BANK OF OMAHA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 6, 2021
Property Address	327 SILVER ST, ELGIN, IL 60123-3522
Document Number	0000001008
Instrument Date	Nov 11, 2020
Instrument	2021K001008
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$167.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	327 SILVER ST, ELGIN, IL 60123-3522
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001009
Date	Jan 6, 2021
Instrument	2021K001009

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.75%

Mortgage

Document Number	0000001010
Date	Jan 6, 2021
Instrument	2021K001010

Lender

Name	ILLINOIS HOUSING DEVELOPMENT AUTHORITY
Type	Government Agency
Address	CHICAGO, IL 60601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 20, 2017
Property Address	327 SILVER ST, ELGIN, IL 60123-3522
Document Number	0000003616
Instrument Date	Jan 19, 2017
Instrument	3616
Transaction Type	Transfer
Record Updated	May 2, 2017
Title Company	HERITAGE TITLE COMPANY, HERITAGE TITLE CO.

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$195.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	327 SILVER ST ELGIN IL 601233522, ELGIN, IL 60123-3522

Mortgage

Document Number	3617
Date	Jan 20, 2017
Instrument	3617

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 19, 2047

Interest

Rate	4.75%

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	$4,238.00 (+4.8%) Homeowner's exemption	$63,558 (+8.57%) Land $15,385 Building $48,173	$190,750 (+8.57%) Land $46,173 Building $144,577
2024	$4,044.00 (+10.46%)	$58,541 (+21.39%) Land $14,171 Building $44,370	$175,693 (+21.44%) Land $42,530 Building $133,163
2022	$3,661.00 (+4.99%) Homeowner's exemption	$48,224 (+6.96%) Land $11,673 Building $36,551	$144,672 (+6.96%) Land $35,019 Building $109,653
2021	$3,487.00 Homeowner's exemption	$45,086 Land $10,913 Building $34,173	$135,258 Land $32,739 Building $102,519

Assessed value is set for property tax purposes, not a market price estimate; it is 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	3 (1978–2009)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Mar 2009 · 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 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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