328 Silver St, Elgin, IL 60123 Property Records

Kane County property record for 328 Silver St, Elgin, IL 60123 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,170 sqft · built 1900
Lot Size	0.258 acres (11,239 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (Sep 2025)
Tax Bill	$5,700 (2025)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Sep 2025 Foreclosure + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-14-129-004`

Property Details

APN / Parcel Number

Primary APN	`06-14-129-004`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	5 Stories
Building Area	1,170 sqft Living Area
Gross Area	2,019 sqft
Basement Area	849 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Brick
Lot Area	11,239 sqft (0.258 acres)
Lot Width	91 ft Width
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	328 SILVER ST
City	ELGIN
State	IL
Zip	60123-3523
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MCCLURES 2ND ADDN NORTH 25 FT WEST 48.75 FT LOT 2 & ALL EAST 1/2 VACATED ALLEY & ALL OF LOT 3 BLOCK 1
Legal Subdivision	MCCLURES 2ND ADDN
Legal Block	1
Legal Lot Number	2
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1005
Census Tract	851102

Owner

Source: Kane County records · APN 06-14-129-004

Assessment roll updated December 26, 2025 · Last verified July 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 File
Mailing Address	1035 HIGGINS QUARTERS DR, HOFFMAN ESTATES, IL 60169-1487
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2025	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO
Sep 17, 2025	Sheriff's Deed, Foreclosure · Stand-Alone Second Mortgage GUILD MORTGAGE CO
Sep 05, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 17, 2025 · Amount on Record
Deed Sale	Sep 17, 2025 · Amount on Record
Prior Sale	Sep 17, 2025 · Amount on Record
Prior Transfer Date	Jul 27, 2018
Prior Transfer Doc	0000043524
Record Updated	Sep 20, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 17, 2025
Property Address	328 SILVER ST, ELGIN, IL 60123-3523
Document Number	0000035922
Instrument Date	Aug 21, 2025
Instrument	2025K035922
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	FIDELITY NATIONAL TITLE INSURANCE NY, FIDELITY NATIONAL TITLE INS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	328 SILVER ST, ELGIN, IL 60123-3523

Mortgage

Document Number	0000035923
Date	Sep 17, 2025
Instrument	2025K035923

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 01, 2055

September 2025: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	KANE IL
Recording Date	Sep 17, 2025
Property Address	328 SILVER ST, ELGIN, IL 60123-3523
Document Number	0000035921
Instrument Date	Dec 11, 2024
Instrument	2025K035921
Transaction Type	Foreclosure
Record Updated	Sep 25, 2025
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$159.50
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	328 SILVER ST, ELGIN, IL 60123-3523

Mortgage

Document Number	0000035924
Date	Sep 17, 2025
Instrument	2025K035924

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 01, 2035

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Sep 05, 2018
Property Address	328 SILVER ST, ELGIN, IL 60123-3523
Document Number	0000043524
Instrument Date	Jul 27, 2018
Instrument	43524
Transaction Type	Transfer
Record Updated	Sep 14, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	328 SILVER ST ELGIN IL 601233523, ELGIN, IL 60123-3523

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated December 26, 2025 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,700.00 (+3.5%)
2024	$5,507.00 (+12.02%)	$68,824 (+21.39%) Land $19,057 Building $49,767	$206,555 (+21.44%) Land $57,194 Building $149,361
2022	$4,916.00 (+3.95%)	$56,696 (+6.96%) Land $15,699 Building $40,997	$170,088 (+6.96%) Land $47,097 Building $122,991
2021	$4,729.00	$53,006 Land $14,677 Building $38,329	$159,018 Land $44,031 Building $114,987

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170898511021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Claims	3 (1978–2009)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Mar 2009, rainfall accumulation

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 381 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Radiate Holdings	Cable	1,500 / 50
Opiquad	Fixed Wireless (unlicensed)	100 / 20
AT&T	DSL	100 / 20

May also be available at this address: AT&T, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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