361 Gale St, Elgin, IL 60123 Property Records

Kane County property record for 361 Gale St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,750 sqft · built 1975
Lot Size	0.212 acres (9,242 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Apr 2020)
Tax Bill	$6,682 (2025)
Deeds & Mortgages	Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-21-178-021`

Property Details

APN / Parcel Number

Primary APN	`06-21-178-021`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
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 1975
Effective Year Built	Effective 1975
Construction Type	Frame
Foundation Type	Raised
Lot Area	9,242 sqft (0.212 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	361 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 94
Legal Subdivision	COLLEGE PARK
Legal Block	2
Legal Lot Number	94
Legal Unit	4
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2019
Census Tract	851908

Owner

361 Gale St is owned and occupied by an individual who bought it in April 2020.

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

Owner of Record	Individual Name on File
Mailing Address	361 GALE ST, ELGIN, IL 60123-6915
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 16, 2020 · Amount on File
Deed Sale	Apr 16, 2020 · Amount on File
Deed Document Number	202018946
Record Updated	Oct 29, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 16, 2020
Property Address	361 GALE ST, ELGIN, IL 60123-6915
Document Number	0000018946
Instrument Date	Mar 19, 2020
Instrument	2020K018946
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	LANDTRUST NATIONAL TTL SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$220.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	361 GALE ST, 361, ELGIN, IL 60123-6915

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	361 GALE ST, ELGIN, IL 60123-6915

Mortgage

Document Number	0000018947
Date	Apr 16, 2020
Instrument	2020K018947

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.26%

Tax Assessment & Valuation

The 2025 property tax bill for 361 Gale St was $6,682 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	$6,682.00 Homeowner's exemption	$96,451 (+8.57%) Land $23,194 Building $73,257	$289,469 (+8.57%) Land $69,610 Building $219,859
2024		$88,837 Land $21,363 Building $67,474	$266,618 Land $64,115 Building $202,503
2022	$5,769.00 (+4.21%) Homeowner's exemption	$73,181 (+7.52%) Land $17,598 Building $55,583	$219,543 (+7.52%) Land $52,794 Building $166,749
2021	$5,536.00 Homeowner's exemption	$68,061 Land $16,453 Building $51,608	$204,183 Land $49,359 Building $154,824

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 361 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 361 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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