Kane County property record for 400 Griswold St, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,190 sqft · built 1913 |
| Lot Size | 0.152 acres (6,600 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $174,000 (Aug 2003) |
| Tax Bill | $4,438 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Jan 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-23-277-010 |
| Primary APN | 06-23-277-010 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 5 Stories |
| Building Area | 1,190 sqft Living Area |
| Gross Area | 2,010 sqft |
| Basement Area | 820 sqft |
| Year Built | Built 1913 |
|---|---|
| Effective Year Built | Effective 1913 |
| Construction Type | Frame |
| Lot Area | 6,600 sqft (0.152 acres) |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 400 GRISWOLD ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-7626 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | YMCA ADDN LOT 1 BLOCK 2 |
| Legal Subdivision | YMCA ADDN |
| Legal Block | 2 |
| Legal Lot Number | 1 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 851600 |
400 Griswold St is owned and occupied by two individuals who bought it in August 2003.
Source: Kane County records, as of October 6, 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 | 400 GRISWOLD ST, ELGIN, IL 60123-7626 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Sep 29, 2026 | Deed of Trust, Mortgage · Line of Credit LENDAGE LLC |
| Jan 10, 2020 | Deed of Trust, Mortgage · FHA Mortgage LOAN ONE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 19, 2003 · Amount on File |
| Deed Sale | Aug 19, 2003 · Amount on File |
| Prior Sale | Apr 14, 1999 · Amount on File |
| Deed Document Number | 2003147560 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Sep 29, 2026 |
| Property Address | 400 GRISWOLD ST, ELGIN, IL 60123-7626 |
| Document Number | 0000042023 |
| Instrument Date | Sep 23, 2026 |
| Instrument | 202642023 |
| Transaction Type | Mortgage |
| Record Updated | Oct 6, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 400 GRISWOLD ST, ELGIN, IL 60123-7626 |
| Document Number | 0000042023, |
|---|---|
| Date | Sep 29, 2026 |
| Instrument | 202642023 |
| Name | LENDAGE LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Oct 1, 2036 |
| Rate | 10.9% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 400 GRISWOLD ST, ELGIN, IL 60123-7626 |
| Document Number | 0000004085 |
| Instrument Date | Jan 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 400 GRISWOLD ST ELGIN IL 601237626, ELGIN, IL 60123-7626 |
| Document Number | 0000004085 |
|---|---|
| Date | Jan 22, 2020 |
| Instrument | 4085 |
| Name | LOAN ONE |
|---|---|
| Type | Funding / Finance Company |
| Address | GAHANNA, OH 43230 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 21, 2050 |
The 2025 property tax bill for 400 Griswold St was $4,438 with a homeowner's exemption.
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,438.00 Homeowner's exemption | $66,177 (+8.57%) Land $15,540 Building $50,637 | $198,610 (+8.57%) Land $46,639 Building $151,972 |
| 2024 | $60,953 Land $14,313 Building $46,640 | $182,932 Land $42,956 Building $139,976 | |
| 2022 | $3,530.00 (+5.03%) Homeowner's exemption | $46,719 (+6.96%) Land $11,791 Building $34,928 | $140,157 (+6.96%) Land $35,373 Building $104,784 |
| 2021 | $3,361.00 Homeowner's exemption | $43,679 Land $11,024 Building $32,655 | $131,037 Land $33,072 Building $97,965 |
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.
FEMA maps place 400 Griswold St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1979.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 4 (1979–1982) |
| Most Recent Claim | Dec 1982 · rainfall accumulation |
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.
The area around 400 Griswold St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 385 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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