328 Wabash St, Elgin, IL 60123 Property Records

Kane County property record for 328 Wabash St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,208 sqft · built 1910
Lot Size	0.13 acres (5,676 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,045 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-23-130-016`

Property Details

APN / Parcel Number

Primary APN	`06-23-130-016`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,208 sqft Living Area
Gross Area	1,966 sqft
Basement Area	758 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Construction Type	Frame
Lot Area	5,676 sqft (0.13 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	328 WABASH ST
City	ELGIN
State	IL
Zip	60123-7418
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	J C & W H KIMBALLS 4TH ADDN NORTH 10 FT LOT 13 & SOUTH 1/2 LOT 14 BLOCK 3
Legal Subdivision	J C&W H KIMBALLS 4TH ADDN
Legal Block	3
Legal Lot Number	13,14
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	5
Census Block	5006
Census Tract	851600

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	328 WABASH ST, ELGIN, IL 60123-7418
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2021	Warranty Deed, Transfer · FHA Mortgage HOMESIDE FINANCIAL LLC
Oct 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage NEIGHBORHOOD LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2021
Deed Sale	Mar 24, 2021
Prior Sale	Jun 17, 2016 · Amount on Record
Deed Document Number	202123133
Record Updated	Oct 29, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Mar 24, 2021
Property Address	328 WABASH ST, ELGIN, IL 60123-7418
Document Number	0000023133
Instrument Date	Dec 11, 2020
Instrument	2021K023133
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$165.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	328 WABASH ST, 328, ELGIN, IL 60123-7418

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	328 WABASH ST, ELGIN, IL 60123-7418

Mortgage

Document Number	0000023134
Date	Mar 24, 2021
Instrument	2021K023134

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	328 WABASH ST, ELGIN, IL 60123-7418
Document Number	0000051403
Instrument Date	Oct 9, 2019
Transaction Type	Mortgage
Record Updated	Nov 6, 2019
Title Company	CARRINGTON TITLE PARTNERS LLC, CARRINGTON TITLE PTRS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	328 WABASH ST ELGIN IL 601237418, ELGIN, IL 60123-7418

Mortgage

Document Number	0000051403
Date	Oct 28, 2019
Instrument	51403

Lender

Name	NEIGHBORHOOD LOANS
Type	Funding / Finance Company
Address	LOMBARD, IL 60148

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 27, 2049

Interest

Rate Type	Fixed Rate
Rate	5.62%

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	$4,045.00 (+12.77%) Homeowner's exemption Senior Citizen's exemption	$69,022 (+8.57%) Land $12,660 Building $56,362	$207,149 (+8.57%) Land $37,995 Building $169,154
2024		$63,574 (+21.39%) Land $11,661 Building $51,913	$190,798 (+21.44%) Land $34,997 Building $155,801
2022	$3,587.00 (-6.39%) Homeowner's exemption	$52,370 (+6.96%) Land $9,606 Building $42,764	$157,110 (+6.96%) Land $28,818 Building $128,292
2021	$3,832.00 Homeowner's exemption	$48,962 Land $8,981 Building $39,981	$146,886 Land $26,943 Building $119,943

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	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

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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