413 Adams St, Elgin, IL 60123 Property Records

Kane County property record for 413 Adams St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,348 sqft · built 1955
Lot Size	0.24 acres (10,440 sqft)
Owner	2 Individual Names on Record
Last Sale	$110,000 (Feb 1999)
Tax Bill	$4,633 (2025)
Deeds & Mortgages	Dec 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-23-260-021`

Property Details

APN / Parcel Number

Primary APN	`06-23-260-021`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,348 sqft Living Area
Gross Area	2,408 sqft
1st Floor Area	1,348 sqft
Basement Area	1,060 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Construction Type	Frame
Lot Area	10,440 sqft (0.24 acres)
Lot Dimensions	174 ft deep x 60 ft wide
Garage Type	Attached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	413 ADAMS ST
City	ELGIN
State	IL
Zip	60123-7531
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GEORGE L KIRKS SUB LOT 21
Legal Subdivision	GEORGE L KIRKS SUB
Legal Block	4
Legal Lot Number	21
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4016
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	2 Individual Names on Record
Mailing Address	413 ADAMS ST, ELGIN, IL 60123-7531
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 23, 1999 · Amount on Record
Deed Sale	Feb 23, 1999 · Amount on Record
Deed Document Number	199919734
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	413 ADAMS ST, ELGIN, IL 60123-7531
Transaction Type	Mortgage
Record Updated	Dec 28, 2022
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 ADAMS ST, ELGIN, IL 60123-7531

Mortgage

Document Number	0000059657
Date	Dec 21, 2022
Instrument	2022K059657

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2038

Interest

Rate	6%

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	$4,633.00 (-15.47%)	$83,315 (+8.57%) Land $18,999 Building $64,316	$250,045 (+8.57%) Land $57,020 Building $193,025
2024		$76,738 (+21.39%) Land $17,499 Building $59,239	$230,306 (+21.44%) Land $52,518 Building $177,788
2022	$5,481.00 (+3.96%)	$63,214 (+6.96%) Land $14,415 Building $48,799	$189,642 (+6.96%) Land $43,245 Building $146,397
2021	$5,272.00	$59,101 Land $13,477 Building $45,624	$177,303 Land $40,431 Building $136,872

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective October 8, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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