38 S Porter St, Elgin, IL 60120 Property Records

Kane County property record for 38 S Porter St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,110 sqft · built 1879
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$103,500 (May 2017)
Tax Bill	$4,280 (2025)
Deeds & Mortgages	May 2017 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`06-13-404-016`

Property Details

APN / Parcel Number

Primary APN	`06-13-404-016`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,110 sqft Living Area
Gross Area	2,220 sqft
1st Floor Area	1,110 sqft
Basement Area	1,110 sqft

Exterior

Year Built	Built 1879
Effective Year Built	Effective 1879
Construction Type	Frame
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	38 S PORTER ST
City	ELGIN
State	IL
Zip	60120-6609
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W H HINTZES SUB LOTS 1 & 2 JAMES DAVIDSONS ADDN & PART LOT 1 SOUTHEAST 1/4 SEC 13 BLOCK 10
Legal Subdivision	W H HINTZES SUB
Legal Block	10
Legal Lot Number	1,2
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2000
Census Tract	851301

Owner

38 S Porter St is owned and occupied by an individual who bought it in May 2017.

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

Owner of Record	Individual Name on File
Mailing Address	38 S PORTER ST, ELGIN, IL 60120-6609
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	May 5, 2017 · Amount on File
Deed Sale	May 5, 2017 · Amount on File
Deed Document Number	201722792
Prior Transfer Date	Apr 13, 2017
Prior Transfer Doc	0000022792
Record Updated	Oct 29, 2026

May 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	KANE IL
Recording Date	May 5, 2017
Property Address	38 S PORTER ST, ELGIN, IL 60120-6609
Document Number	0000022792
Instrument Date	Apr 13, 2017
Instrument	2017K022792
Transaction Type	Foreclosure
Record Updated	Jul 27, 2021
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$103.50
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 S PORTER ST, ELGIN, IL 60120-6609

Mortgage

Document Number	0000022793
Date	May 5, 2017
Instrument	2017K022793

Lender

Name	EQUITY PRIME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 38 S Porter St was $4,280 with a homeowner's exemption, up 4.8% from the year before.

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	$4,280.00 (+4.77%) Homeowner's exemption	$64,110 (+8.57%) Land $17,488 Building $46,622	$192,407 (+8.57%) Land $52,485 Building $139,922
2024	$4,085.00	$59,050 Land $16,108 Building $42,942	$177,221 Land $48,343 Building $128,878
2022	$3,697.00 (+4.97%) Homeowner's exemption	$48,643 (+6.96%) Land $13,269 Building $35,374	$145,929 (+6.96%) Land $39,807 Building $106,122
2021	$3,522.00 Homeowner's exemption	$45,478 Land $12,406 Building $33,072	$136,434 Land $37,218 Building $99,216

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 38 S Porter St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 38 S Porter 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 520 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 DSL · Fiber in parts of the area	100 / 20