Kane County property record for 399 Silver St, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 3,312 sqft · built 1888 |
| Lot Size | 0.185 acres (8,054 sqft) |
| Owner | Individual Name on File |
| Last Sale | $280,000 (Aug 2004) |
| Tax Bill | $7,499 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Nov 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-14-130-022 |
| Primary APN | 06-14-130-022 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,312 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1888 |
|---|---|
| Effective Year Built | Effective 1888 |
| Architectural Style | Victorian |
| Exterior Material | Brick |
| Construction Type | Frame |
| Lot Area | 8,054 sqft (0.185 acres) |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Water Source | Commercial |
| Street Address | 399 SILVER ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-3522 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MCCLURES 2ND ADDN LOTS 1 & 2 BLOCK 4 (EXCEPT PART DESC IN DOC 96K018363) |
| Legal Subdivision | MCCLURES 2ND ADDN |
| Legal Block | 4 |
| Legal Lot Number | 1,2 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 851102 |
Source: Kane County records · APN 06-14-130-022
Assessment roll updated August 25, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 399 SILVER ST, ELGIN, IL 60123-3522 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK |
| Nov 18, 2019 | Deed of Trust, Mortgage · Conventional Mortgage TRUSTBANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 17, 2004 · Amount on Record |
| Deed Sale | Aug 17, 2004 · Amount on Record |
| Deed Document Number | 2004109256 |
| Last Transfer Date | Feb 27, 2005 |
| Transfer Doc | 0000027663 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 399 SILVER ST, ELGIN, IL 60123-3522 |
| Transaction Type | Mortgage |
| Record Updated | May 07, 2021 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000033532 |
|---|---|
| Date | Apr 29, 2021 |
| Instrument | 2021K033532 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | ELGIN, IL 60123 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 205 Months |
| Due | May 01, 2038 |
| Rate | 2.75% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 399 SILVER ST, ELGIN, IL 60123-3522 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000055769 |
|---|---|
| Date | Nov 18, 2019 |
| Instrument | 2019K055769 |
| Name | TRUSTBANK |
|---|---|
| Type | Bank |
| Address | OLNEY, IL 62450 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Dec 01, 2039 |
Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,499.00 (+15.85%) Homeowner's exemption | ||
| 2024 | $97,907 (+21.39%) Land $14,924 Building $82,983 | $293,839 (+21.44%) Land $44,790 Building $249,049 | |
| 2022 | $6,473.00 (+4.54%) Homeowner's exemption | $80,653 (+6.96%) Land $12,294 Building $68,359 | $241,959 (+6.96%) Land $36,882 Building $205,077 |
| 2021 | $6,192.00 Homeowner's exemption | $75,405 Land $11,494 Building $63,911 | $226,215 Land $34,482 Building $191,733 |
Source: FEMA National Flood Hazard Layer as of October 8, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 3 (1978–2009) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Mar 2009 · rainfall accumulation |
| Wildfire Risk | Not rated no burnable land within 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Radiate Holdings Cable | 1,500 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
May also be available: T-Mobile USA.
Based on FCC filings for 382 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ELGIN serves 114,797 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | 19 ppb (2026) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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