407 Orchard St, Elgin, IL 60123 Property Records

Kane County property record for 407 Orchard St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,346 sqft · built 1898
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (Aug 2018)
Tax Bill	$5,252 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Aug 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-23-252-002`

Property Details

APN / Parcel Number

Primary APN	`06-23-252-002`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,346 sqft Living Area
Gross Area	2,356 sqft
1st Floor Area	1,346 sqft
Basement Area	1,010 sqft

Exterior

Year Built	Built 1898
Effective Year Built	Effective 1898
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	407 ORCHARD ST
City	ELGIN
State	IL
Zip	60123-7521
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAWKINS & PECKS 2ND ADDN LOT 9 BLOCK 2
Legal Subdivision	HAWKINS&PECKS 2ND ADDN
Legal Block	2
Legal Lot Number	9
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2015
Census Tract	851600

Owner

407 Orchard St is owned and occupied by an individual who bought it in August 2018.

Source: Kane County records, as of July 23, 2026

Owner of Record	Individual Name on File
Mailing Address	407 ORCHARD ST, ELGIN, IL 60123-7521
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2024	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 17, 2018	Warranty Deed, Transfer · FHA Mortgage AMERICAN FIDELITY MORTGAGE SERVICES
Mar 26, 2018	Trustee's Deed, Foreclosure ACQUEST TITLE SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 17, 2018 · Amount on File
Deed Sale	Aug 17, 2018 · Amount on File
Prior Sale	Mar 26, 2018 · Amount on File
Deed Document Number	201840342
Prior Transfer Date	Apr 2, 2008
Prior Transfer Doc	0000030559
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	407 ORCHARD ST, ELGIN, IL 60123-7521
Transaction Type	Mortgage
Record Updated	Feb 12, 2024
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 ORCHARD ST, ELGIN, IL 60123-7521

Mortgage

Document Number	0000003591
Date	Feb 2, 2024
Instrument	2024K003591

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	295 Months
Due	Sep 1, 2048

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 17, 2018
Property Address	407 ORCHARD ST, ELGIN, IL 60123-7521
Document Number	0000040342
Instrument Date	Aug 10, 2018
Instrument	2018K040342
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$160.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 ORCHARD ST, ELGIN, IL 60123-7521

Mortgage

Document Number	0000040343
Date	Aug 17, 2018
Instrument	2018K040343

Lender

Name	AMERICAN FIDELITY MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

Interest

Rate Type	Fixed Rate
Rate	4.87%

March 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	KANE IL
Recording Date	Mar 26, 2018
Property Address	407 ORCHARD ST, ELGIN, IL 60123-7521
Document Number	0000013515
Instrument Date	Feb 26, 2018
Instrument	13515
Transaction Type	Foreclosure
Record Updated	Apr 10, 2018
Title Company	ACQUEST TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Tax	$176.25
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	39W832 DAIRYHERD LN ST CHARLES IL 601756925, ST CHARLES, IL 60175-6925

Tax Assessment & Valuation

The 2025 property tax bill for 407 Orchard St was $5,252 with a homeowner's exemption.

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	$5,252.00 Homeowner's exemption	$76,842 (+8.57%) Land $18,999 Building $57,843	$230,618 (+8.57%) Land $57,020 Building $173,598
2024		$70,776 Land $17,499 Building $53,277	$212,413 Land $52,518 Building $159,895
2022	$4,535.00 (+4.81%) Homeowner's exemption	$58,303 (+6.96%) Land $14,415 Building $43,888	$174,909 (+6.96%) Land $43,245 Building $131,664
2021	$4,327.00 Homeowner's exemption	$54,509 Land $13,477 Building $41,032	$163,527 Land $40,431 Building $123,096

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

FEMA maps place 407 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.

Wildfire

The area around 407 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.

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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