Kane County property record for 402 Orchard St, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,164 sqft · built 1883 |
| Lot Size | 0.186 acres (8,114 sqft) |
| Owner | Individual Name on File |
| Last Sale | $150,000 (Jun 2022) |
| Tax Bill | $5,048 (2025) |
| Deeds & Mortgages | Jun 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-23-251-007 |
| Primary APN | 06-23-251-007 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,164 sqft Living Area |
| Gross Area | 1,830 sqft |
| Basement Area | 666 sqft |
| Year Built | Built 1883 |
|---|---|
| Effective Year Built | Effective 1883 |
| Construction Type | Frame |
| Lot Area | 8,114 sqft (0.186 acres) |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 402 ORCHARD ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-7522 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HAWKINS & PECKS 2ND ADDN EXCEPT WEST 14 FT LOT 1 BLOCK 3 |
| Legal Subdivision | HAWKINS&PECKS 2ND ADDN |
| Legal Block | 3 |
| Legal Lot Number | 1 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 851600 |
402 Orchard St is owned and occupied by an individual who bought it in June 2022.
Source: Kane County records, as of July 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 402 ORCHARD ST, ELGIN, IL 60123-7522 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 29, 2022 · Amount on File |
| Deed Sale | Jun 29, 2022 · Amount on File |
| Deed Document Number | 202233613 |
| Record Updated | Oct 29, 2026 |
| Document Type | Executor's Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jun 29, 2022 |
| Property Address | 402 ORCHARD ST, ELGIN, IL 60123-7522 |
| Document Number | 0000033613 |
| Instrument Date | Jun 20, 2022 |
| Instrument | 2022K033613 |
| Transaction Type | Transfer |
| Record Updated | Jul 5, 2022 |
| Title Company | NOT AVAILABLE, CT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $150.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 610 LOVREL ST, ELGIN, IL 60120 |
| Document Number | 0000033614 |
|---|---|
| Date | Jun 29, 2022 |
| Instrument | 2022K033614 |
| Name | BLUELEAF LENDING LLC |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.5% |
The 2025 property tax bill for 402 Orchard St was $5,048 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 | $5,048.00 Homeowner's exemption | $74,170 (+8.57%) Land $18,999 Building $55,171 | $222,599 (+8.57%) Land $57,020 Building $165,579 |
| 2024 | $68,315 Land $17,499 Building $50,816 | $205,027 Land $52,518 Building $152,509 | |
| 2022 | $4,359.00 (+4.83%) Homeowner's exemption | $56,275 (+6.96%) Land $14,415 Building $41,860 | $168,825 (+6.96%) Land $43,245 Building $125,580 |
| 2021 | $4,158.00 Homeowner's exemption | $52,613 Land $13,477 Building $39,136 | $157,839 Land $40,431 Building $117,408 |
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 402 Orchard 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 402 Orchard 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 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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