402 Orange St, Elgin, IL 60123 Property Records

Kane County property record for 402 Orange St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,554 sqft · built 1948
Lot Size	0.179 acres (7,800 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (Dec 2025)
Tax Bill	$2,385 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Dec 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-23-253-024`

Property Details

APN / Parcel Number

Primary APN	`06-23-253-024`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	5 Stories
Building Area	1,554 sqft Living Area
Gross Area	2,590 sqft
Basement Area	1,036 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Construction Type	Frame
Lot Area	7,800 sqft (0.179 acres)
Lot Dimensions	150 ft deep x 52 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	402 ORANGE ST
City	ELGIN
State	IL
Zip	60123-7545
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	D E WOODS ADD LOT 13 BLK 6
Legal Subdivision	D E WOODS ADD
Legal Block	6
Legal Lot Number	13
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2014
Census Tract	851600

Owner

Source: Kane County records, as of July 23, 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 Record
Mailing Address	402 ORANGE ST, ELGIN, IL 60123-7545
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2025	Deed of Trust, Mortgage · Line of Credit UNION NATIONAL BANK
Dec 30, 2025	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2025 · Amount on Record
Deed Sale	Dec 30, 2025 · Amount on Record
Deed Document Number	202551836
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	402 ORANGE ST, ELGIN, IL 60123-7545
Transaction Type	Mortgage
Record Updated	Jan 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 ORANGE ST, ELGIN, IL 60123-7545

Mortgage

Document Number	0000037882
Date	Sep 30, 2025
Instrument	2025K037882

Lender

Name	UNION NATIONAL BANK
Type	Bank
Address	ELGIN, IL 60120

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 30, 2025
Property Address	402 ORANGE ST, ELGIN, IL 60123-7545
Document Number	0000051836
Instrument Date	Dec 16, 2025
Instrument	2025K051836
Transaction Type	Transfer
Record Updated	Jan 7, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$260.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 ORANGE ST, ELGIN, IL 60123-7545

Mortgage

Document Number	0000051837
Date	Dec 30, 2025
Instrument	2025K051837

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate	6.5%

Tax Assessment & Valuation

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	$2,385.00 (-4.64%) Homeowner's exemption Senior Citizen's exemption	$86,319 (+8.57%) Land $16,410 Building $69,909	$259,061 (+8.57%) Land $49,250 Building $209,811
2024	$2,501.00 (-20.45%) Homeowner's exemption	$79,506 (+21.39%) Land $15,115 Building $64,391	$238,613 (+21.44%) Land $45,363 Building $193,250
2022	$3,144.00 (-2.81%) Homeowner's exemption	$65,494 (+6.96%) Land $12,451 Building $53,043	$196,482 (+6.96%) Land $37,353 Building $159,129
2021	$3,235.00 Homeowner's exemption	$61,232 Land $11,641 Building $49,591	$183,696 Land $34,923 Building $148,773

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

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.

Wildfire

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.

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 578 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 Fixed Wireless · DSL	100 / 20

May also be available: T-Mobile.

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