398 Silver St, Elgin, IL 60123 Property Records

Kane County property record for 398 Silver St, Elgin, IL 60123 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,103 sqft · built 1915
Lot Size	0.194 acres (8,449 sqft)
Owner	Company Name on File
Last Sale	$67,000 (Nov 2011)
Tax Bill	$6,911 (2025)
Deeds & Mortgages	Jul 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-14-126-015`

Property Details

APN / Parcel Number

Primary APN	`06-14-126-015`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,103 sqft Living Area
Gross Area	3,528 sqft
Basement Area	1,425 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Construction Type	Frame
Lot Area	8,449 sqft (0.194 acres)
Lot Width	64 ft Width
Garage Type	Detached
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	398 SILVER ST
City	ELGIN
State	IL
Zip	60123-3572
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MCCLURES 2ND ADDN LOT 10 BLOCK 3
Legal Subdivision	MCCLURES 2ND ADDN
Legal Block	3
Legal Lot Number	10
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1002
Census Tract	851102

Owner

Source: Kane County records · APN 06-14-126-015

Assessment roll updated July 23, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	1770 CHARLES WAITE ST, SYCAMORE, IL 60178-8700
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 08, 2011 · Amount on Record
Deed Sale	Nov 08, 2011 · Amount on Record
Deed Document Number	201167421
Record Updated	Sep 20, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	398 SILVER ST, ELGIN, IL 60123-3572
Document Number	0000051921
Instrument Date	Jul 13, 2017
Transaction Type	Mortgage
Record Updated	Nov 01, 2017
Title Company	CHICAGO TITLE COMPANY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	36W710 FOOTHILL RD ELGIN IL 601235867, ELGIN, IL 60123-5867

Mortgage

Document Number	0000051921
Date	Oct 03, 2017
Instrument	51921

Lender

Name	ST CHARLES BK&TR
Type	Bank
Address	SAINT CHARLES, IL 60174

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated July 23, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,911.00 (+24.79%)	$90,594 (+8.57%) Land $19,993 Building $70,601	$271,891 (+8.57%) Land $60,003 Building $211,888
2024		$83,443 (+30.65%) Land $18,415 Building $65,028	$250,429 (+30.7%) Land $55,267 Building $195,162
2022	$5,538.00 (+3.96%)	$63,868 (+6.96%) Land $15,170 Building $48,698	$191,604 (+6.96%) Land $45,510 Building $146,094
2021	$5,327.00	$59,712 Land $14,183 Building $45,529	$179,136 Land $42,549 Building $136,587

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170898511021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Claims	3 (1978–2009)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Mar 2009, rainfall accumulation

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.