408 Mountain St, Elgin, IL 60123 Property Records

Kane County property record for 408 Mountain St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,316 sqft · built 1918
Lot Size	0.121 acres (5,278 sqft)
Owner	2 Individual Names on Record
Last Sale	$192,000 (Nov 2018)
Tax Bill	$6,442 (2025)
Deeds & Mortgages	May 2026 Mortgage Feb 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-14-257-010`

Property Details

APN / Parcel Number

Primary APN	`06-14-257-010`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,316 sqft Living Area
Gross Area	3,426 sqft
Basement Area	1,110 sqft

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
Construction Type	Frame
Lot Area	5,278 sqft (0.121 acres)
Lot Dimensions	91 ft deep x 58 ft wide
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Window A/C
Water Source	Commercial

Location & Zoning

Street Address	408 MOUNTAIN ST
City	ELGIN
State	IL
Zip	60123-5443
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W C KIMBALLS PLAT OF WEST ELGIN WEST 1/2 LOTS 5 & 6 WEST 3 RODS OF SOUTH 3 RODS LOT 7 BLOCK 43
Legal Subdivision	WEST ELGIN WEST
Legal Block	1
Legal Lot Number	5,6,7
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1017
Census Tract	851102

Owner

Source: Kane County records, as of July 21, 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 Record
Mailing Address	408 MOUNTAIN ST, ELGIN, IL 60123-5443
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
May 7, 2026	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE CONNECT
Feb 9, 2024	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jan 31, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Nov 14, 2018	Warranty Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP
Jan 7, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2018 · Amount on Record
Deed Sale	Nov 14, 2018 · Amount on Record
Prior Sale	Mar 11, 2011 · Amount on Record
Deed Document Number	201855405
Prior Transfer Date	Oct 26, 2018
Prior Transfer Doc	0000000647
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	May 7, 2026
Property Address	408 MOUNTAIN ST, ELGIN, IL 60123-5443
Document Number	0000018832
Instrument Date	Apr 1, 2026
Instrument	202618832
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 MOUNTAIN ST, ELGIN, IL 60123-5443

Mortgage

Document Number	0000018832,
Date	May 7, 2026
Instrument	202618832

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	480 Months
Due	May 1, 2066

Interest

Rate	6%
Max Rate	-1%

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	408 MOUNTAIN ST, ELGIN, IL 60123-5443
Transaction Type	Mortgage
Record Updated	Feb 21, 2024
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 MOUNTAIN ST, ELGIN, IL 60123-5443

Mortgage

Document Number	0000004417
Date	Feb 9, 2024
Instrument	2024K004417

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	335 Months
Due	Jan 1, 2052

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	408 MOUNTAIN ST, ELGIN, IL 60123-5443
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 MOUNTAIN ST, ELGIN, IL 60123-5443

Mortgage

Document Number	0000006028
Date	Jan 31, 2022
Instrument	2022K006028

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Nov 14, 2018
Property Address	408 MOUNTAIN ST, ELGIN, IL 60123-5443
Document Number	0000055405
Instrument Date	Oct 26, 2018
Instrument	2018K055405
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	PRIMARY TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$192.00
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	408 MOUNTAIN ST, ELGIN, IL 60123-5443

Mortgage

Document Number	0000055406
Date	Nov 14, 2018
Instrument	2018K055406

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2048

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Jan 7, 2019
Property Address	408 MOUNTAIN ST, ELGIN, IL 60123-5443
Document Number	0000000647
Instrument Date	Oct 26, 2018
Instrument	647
Transaction Type	Transfer
Record Updated	Jan 16, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	408 MOUNTAIN ST ELGIN IL 601235443, ELGIN, IL 60123-5443

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 2025

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	$6,442.00 (+4.34%) Homeowner's exemption
2024	$6,174.00 (+11%)	$85,150 (+21.39%) Land $16,341 Building $68,809	$255,552 (+21.44%) Land $49,043 Building $206,510
2022	$5,562.00 (+4.65%) Homeowner's exemption	$70,144 (+6.96%) Land $13,461 Building $56,683	$210,432 (+6.96%) Land $40,383 Building $170,049
2021	$5,315.00 Homeowner's exemption	$65,580 Land $12,585 Building $52,995	$196,740 Land $37,755 Building $158,985

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	3 (1978–2009)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Mar 2009 · 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 381 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
Fox Valley Internet Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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