357 N Liberty St, Elgin, IL 60120 Property Records

Kane County property record for 357 N Liberty St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,980 sqft · built 1893
Lot Size	0.181 acres (7,887 sqft)
Owner	2 Individual Names on File
Last Sale	$210,000 (Oct 2016)
Tax Bill	$6,525 (2025)
Deeds & Mortgages	Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-13-226-002`

Property Details

APN / Parcel Number

Primary APN	`06-13-226-002`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,980 sqft Living Area
Gross Area	2,985 sqft
Basement Area	1,005 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1893
Effective Year Built	Effective 1893
Architectural Style	Victorian
Exterior Material	Wood
Construction Type	Frame
Lot Area	7,887 sqft (0.181 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Water Source	Commercial

Location & Zoning

Street Address	357 N LIBERTY ST
City	ELGIN
State	IL
Zip	60120-4207
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VAILS ADDN NORTH 16 FT LOT 1 & SOUTH 43.75 FT LOT 2 BLOCK 5
Legal Subdivision	VAILS ADDN
Legal Block	5
Legal Lot Number	1,2
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4013
Census Tract	850800

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	357 N LIBERTY ST, ELGIN, IL 60120-4207
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 11, 2016 · Amount on File
Deed Sale	Oct 11, 2016 · Amount on File
Prior Sale	Apr 4, 2007 · Amount on File
Deed Document Number	201654918
Last Transfer Date	Apr 12, 2021
Transfer Doc	0000046035
Record Updated	Oct 29, 2026

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Jun 16, 2021
Property Address	357 N LIBERTY ST, ELGIN, IL 60120-4207
Document Number	0000046035
Instrument Date	Apr 12, 2021
Instrument	2021K046035
Transaction Type	Transfer
Record Updated	Jun 30, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	357 N LIBERTY ST, ELGIN, IL 60120-4207

Mortgage

Document Number	0000046038
Date	Jun 16, 2021
Instrument	2021K046038

Lender

Name	GLOBAL EQUITY LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	179 Months
Due	May 1, 2036

Interest

Rate Type	Fixed Rate
Rate	2.27%

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	$6,525.00 (+13.95%) Homeowner's exemption Senior Citizen's exemption	$101,534 (+8.57%) Land $17,660 Building $83,874	$304,724 (+8.57%) Land $53,001 Building $251,723
2024		$93,519 (+21.39%) Land $16,266 Building $77,253	$280,669 (+21.44%) Land $48,818 Building $231,852
2022	$5,726.00 (+5.18%) Homeowner's exemption	$77,037 (+6.96%) Land $13,399 Building $63,638	$231,111 (+6.96%) Land $40,197 Building $190,914
2021	$5,444.00 Homeowner's exemption	$72,024 Land $12,527 Building $59,497	$216,072 Land $37,581 Building $178,491

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 625 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
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

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

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