356 Gertrude St, Elgin, IL 60123 Property Records

Kane County property record for 356 Gertrude St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,320 sqft · built 1903
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,003 (2025)
Deeds & Mortgages	Jun 2017 Mortgage Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-23-135-007`

Property Details

APN / Parcel Number

Primary APN	`06-23-135-007`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	5 Stories
Building Area	1,320 sqft Living Area
Gross Area	2,288 sqft
Basement Area	968 sqft

Exterior

Year Built	Built 1903
Effective Year Built	Effective 1903
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	356 GERTRUDE ST
City	ELGIN
State	IL
Zip	60123-7451
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	J C & W H KIMBALLS 4TH ADDN LOT 2 BLOCK 7
Legal Subdivision	J C&W H KIMBALLS 4TH ADDN
Legal Block	7
Legal Lot Number	2
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	5
Census Block	5018
Census Tract	851600

Owner

356 Gertrude St is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	356 GERTRUDE ST, ELGIN, IL 60123-7451
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 1, 2017	Deed of Trust, Mortgage · FHA Mortgage BBMC MORTGAGE LLC
Aug 9, 2019	Deed of Trust, Mortgage · FHA Mortgage SYNERGY ONE LENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	356 GERTRUDE ST, ELGIN, IL 60123-7451
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027792
Date	Jun 1, 2017
Instrument	2017K027792

Lender

Name	BBMC MORTGAGE LLC
Type	Government Agency
Address	LOMBARD, IL 60148

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2047

Interest

Rate Type	Fixed Rate
Rate	4.75%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	356 GERTRUDE ST, ELGIN, IL 60123-7451
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000035687
Date	Aug 9, 2019
Instrument	2019K035687

Lender

Name	SYNERGY ONE LENDING
Type	Lending Institution
Address	LOMBARD, IL 60148

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Interest

Rate Type	Fixed Rate
Rate	3.62%

Tax Assessment & Valuation

The 2025 property tax bill for 356 Gertrude St was $2,003 with exemptions applied.

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	$2,003.00 Homeowner's exemption Senior Citizen's exemption	$73,600 (+8.57%) Land $18,999 Building $54,601	$220,888 (+8.57%) Land $57,020 Building $163,869
2024		$67,790 Land $17,499 Building $50,291	$203,451 Land $52,518 Building $150,933
2022	$2,710.00 (-2.83%) Homeowner's exemption	$55,843 (+6.96%) Land $14,415 Building $41,428	$167,529 (+6.96%) Land $43,245 Building $124,284
2021	$2,789.00 Homeowner's exemption	$52,209 Land $13,477 Building $38,732	$156,627 Land $40,431 Building $116,196

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

Flood

FEMA maps place 356 Gertrude St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2008.

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

The area around 356 Gertrude 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 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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