415 Gale St, Elgin, IL 60123 Property Records

Kane County property record for 415 Gale St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,650 sqft · built 1975
Lot Size	0.281 acres (12,240 sqft)
Owner	Individual Name on Record
Last Sale	$83,666 (Sep 1997)
Tax Bill	$7,233 (2025)
Deeds & Mortgages	Mar 2024 Second Mortgage May 2018 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-21-259-017`

Property Details

APN / Parcel Number

Primary APN	`06-21-259-017`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,650 sqft Living Area
1st Floor Area	1,650 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	12,240 sqft (0.281 acres)
Lot Dimensions	136 ft deep x 90 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	415 GALE ST
City	ELGIN
State	IL
Zip	60123-6954
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COLLEGE PARK UNIT 4 LOT 181
Legal Subdivision	COLLEGE PARK
Legal Block	2
Legal Lot Number	181
Legal Unit	4
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2033
Census Tract	851908

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	Individual Name on Record
Mailing Address	415 GALE ST, ELGIN, IL 60123-6954
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST NORTHERN CU
May 2, 2018	Loan Modification, Mortgage · Conventional Mortgage CHRISTIANA TR
Nov 1, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 1997 · Amount on Record
Deed Sale	Sep 29, 1997 · Amount on Record
Deed Document Number	199765292
Last Transfer Date	Sep 13, 2016
Transfer Doc	0000054713
Record Updated	Sep 20, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	415 GALE ST, ELGIN, IL 60123-6954
Transaction Type	Mortgage
Record Updated	Mar 27, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009323
Date	Mar 21, 2024
Instrument	2024K009323

Lender

Name	FIRST NORTHERN CU
Type	Credit Union
Address	CHICAGO, IL 60606

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Mar 12, 2029

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KANE IL
Property Address	415 GALE ST, ELGIN, IL 60123-6954
Document Number	0000022717
Instrument Date	May 2, 2018
Transaction Type	Mortgage
Record Updated	May 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	415 GALE ST ELGIN IL 601236954, ELGIN, IL 60123-6954

Mortgage

Document Number	0000022717
Date	May 16, 2018
Instrument	22717

Lender

Name	CHRISTIANA TR

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 15, 2048

Interest

Rate	4%

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Nov 1, 2017
Property Address	415 GALE ST, ELGIN, IL 60123-6954
Document Number	0000057409
Instrument Date	Oct 20, 2017
Instrument	57409
Transaction Type	Transfer
Record Updated	Nov 28, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	415 GALE ST ELGIN IL 601236954, ELGIN, IL 60123-6954

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	$7,233.00 (+15.95%)
2024		$87,333 (+21.39%) Land $22,482 Building $64,851	$262,104 (+21.44%) Land $67,473 Building $194,631
2022	$6,238.00 (+3.97%)	$71,942 (+6.96%) Land $18,520 Building $53,422	$215,826 (+6.96%) Land $55,560 Building $160,266
2021	$6,000.00	$67,261 Land $17,315 Building $49,946	$201,783 Land $51,945 Building $149,838

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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	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 166 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 · Fiber in parts of the area	100 / 20

May also be available: Fox Valley Internet, T-Mobile.

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