402 Mill St, Elgin, IL 60123 Property Records

Kane County property record for 402 Mill St, Elgin, IL 60123 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	1 Baths
Year Built	Built 1898
Square Footage	1,140 sqft Living Area
Lot Size	8,712 sqft (0.2 acres)
Garage	Detached
Last Sale	$88,000 (1999)
Tax Bill	$4,734.00 (2025)

Owner

Source: Kane County records · APN 06-14-176-042

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	2 Individual Names on File
Mailing Address	315 S 5TH ST, SAINT CHARLES, IL 60174-2744
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Joint Tenant/Joint Tenant w/ Right Of Survivorship

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 23, 1999 · Amount on Record
Deed Sale	Feb 23, 1999 · Amount on Record
Deed Doc Number	199919732
Last Transfer Date	May 17, 2019
Transfer Doc	0000028330
Record Refreshed	Sep 20, 2026

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Jun 02, 2020
Property Address	402 MILL ST, ELGIN, IL 60123-5325
Document Number	0000028330
Instrument Date	May 17, 2020
Instrument	28330
Transaction Type	Transfer
Record Updated	Jul 17, 2020
Title Company	SERVICELINK

Transaction

Tax	$0.00
Additional	Quitclaim Document Interfamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	315 S STH ST ST CHARLES IL 60174, ST CHARLES, IL 60174

Mortgage

Document Number	28331
Date	Jun 02, 2020
Instrument	28331

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2050

Interest

Rate	5.75%

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 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	$4,734.00 (+15.94%)
2024		$57,164 (+21.4%) Land $16,454 Building $40,710	$171,561 (+21.44%) Land $49,382 Building $122,179
2022	$4,083.00 (+3.97%)	$47,089 (+6.96%) Land $13,554 Building $33,535	$141,267 (+6.96%) Land $40,662 Building $100,605
2021	$3,927.00	$44,025 Land $12,672 Building $31,353	$132,075 Land $38,016 Building $94,059

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 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
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

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; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`06-14-176-042`

Interior

Bedrooms	3 Beds
Full Baths	1 Baths
Total Rooms	6 Rooms
Building Area	1,140 sqft Living Area
Gross Area	1,800 sqft Gross Area
Basement Area	660 sqft Basement
Stories	2 Stories

Exterior

Year Built	Built 1898
Effective Year Built	Effective 1898
Architectural Style	Victorian Style
Exterior Material	Wood Exterior
Construction Type	Frame Construction
Lot Area	8,712 sqft (0.2 acres)
Depth X Width	132 ft x 66 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Detached Garage

Utilities and HVAC

Cooling System	HVAC Cooling
Water Source	Commercial Water Source

Location & Zoning

Street Address	402 MILL ST
City	ELGIN
State	IL
Zip	60123-5325
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	W C KIMBALLS PLAT OF WEST ELGIN LOT 5 BLOCK 40
Legal Subdivision	WEST ELGIN
Legal Block	40
Legal Lot Number	5
Jurisdiction	KANE IL
Minor Civil Division	ELGIN
Census Blockgroup	1
Census Block	1006
Census Tract	851102