349 Gale St, Elgin, IL 60123 Property Records

Kane County property record for 349 Gale St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,750 sqft · built 1976
Lot Size	0.19 acres (8,259 sqft)
Owner	2 Individual Names on File
Last Sale	$256,000 (Jun 2021)
Tax Bill	$6,720 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-21-178-019`

Property Details

APN / Parcel Number

Primary APN	`06-21-178-019`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,750 sqft Living Area
1st Floor Area	1,750 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Split Level
Construction Type	Frame
Foundation Type	Raised
Lot Area	8,259 sqft (0.19 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	349 GALE ST
City	ELGIN
State	IL
Zip	60123-6915
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COLLEGE PARK UNIT 4 LOT 92
Legal Subdivision	COLLEGE PARK
Legal Block	2
Legal Lot Number	92
Legal Unit	4
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2019
Census Tract	851908

Owner

349 Gale St is owned and occupied by two individuals who bought it in June 2021.

Source: Kane County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	349 GALE ST, ELGIN, IL 60123-6915
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Date	Document
Jun 30, 2021	Warranty Deed, Transfer · Conventional Mortgage MIDWEST LENDING CORP
Oct 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage CELEBRITY HOME LOANS LLC
Apr 24, 2019	Warranty Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2021 · Amount on File
Deed Sale	Jun 30, 2021 · Amount on File
Prior Sale	Apr 24, 2019 · Amount on File
Deed Document Number	202150323
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 30, 2021
Property Address	349 GALE ST, ELGIN, IL 60123-6915
Document Number	0000050323
Instrument Date	Jun 11, 2021
Instrument	2021K050323
Transaction Type	Transfer
Record Updated	Jul 14, 2021
Title Company	ATTORNEY'S TITLE, ATTORNEYS TTL GUARANTY FUND

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$256.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	349 GALE ST, ELGIN, IL 60123-6915

Mortgage

Document Number	0000050324
Date	Jun 30, 2021
Instrument	2021K050324

Lender

Name	MIDWEST LENDING CORP

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.99%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	349 GALE ST, ELGIN, IL 60123-6915
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000060014
Date	Oct 9, 2020
Instrument	2020K060014

Lender

Name	CELEBRITY HOME LOANS LLC
Address	VILLA PARK, IL 60181

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Sep 1, 2050

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 24, 2019
Property Address	349 GALE ST, ELGIN, IL 60123-6915
Document Number	0000015932
Instrument Date	Apr 19, 2019
Instrument	2019K015932
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$219.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	349 GALE ST, ELGIN, IL 60123-6915

Mortgage

Document Number	0000015933
Date	Apr 24, 2019
Instrument	2019K015933

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 349 Gale St was $6,720 with a homeowner's exemption.

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	$6,720.00 Homeowner's exemption	$96,090 (+8.57%) Land $21,976 Building $74,114	$288,385 (+8.57%) Land $65,954 Building $222,431
2024		$88,505 Land $20,241 Building $68,264	$265,621 Land $60,747 Building $204,874
2022	$5,801.00 (+4.6%) Homeowner's exemption	$72,907 (+6.96%) Land $16,674 Building $56,233	$218,721 (+6.96%) Land $50,022 Building $168,699
2021	$5,546.00 Homeowner's exemption	$68,163 Land $15,589 Building $52,574	$204,489 Land $46,767 Building $157,722

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

FEMA maps place 349 Gale St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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

Wildfire risk around 349 Gale St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 166 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 · Fiber in parts of the area	100 / 20

May also be available: Fox Valley Internet, T-Mobile.

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