415 Vandalia St, Elgin, IL 60123 Property Records

Kane County property record for 415 Vandalia St, Elgin, IL 60123 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,262 sqft · built 1956
Lot Size	0.159 acres (6,907 sqft)
Owner	Individual Name on File
Last Sale	$180,000 (Apr 2022)
Tax Bill	$6,447 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-23-177-005`

Property Details

APN / Parcel Number

Primary APN	`06-23-177-005`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,262 sqft Living Area
Gross Area	2,398 sqft
1st Floor Area	1,262 sqft
Basement Area	1,136 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	6,907 sqft (0.159 acres)
Lot Dimensions	66 ft deep x 105 ft wide
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	415 VANDALIA ST
City	ELGIN
State	IL
Zip	60123-7415
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	J C & W H KIMBALLS 4TH ADDN LOT 5 BLOCK 11
Legal Subdivision	J C&W H KIMBALLS 4TH ADDN
Legal Block	11
Legal Lot Number	5
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	5
Census Block	5022
Census Tract	851600

Owner

Source: Kane County records · APN 06-23-177-005

Assessment roll updated August 25, 2025 · Last verified July 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 File
Mailing Address	415 VANDALIA ST, ELGIN, IL 60123-7415
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 14, 2022 · Amount on Record
Deed Sale	Apr 14, 2022 · Amount on Record
Prior Sale	Dec 03, 1999 · Amount on Record
Deed Document Number	202220400
Prior Transfer Date	Mar 14, 2022
Prior Transfer Doc	0000020400
Record Updated	Sep 20, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 14, 2022
Property Address	415 VANDALIA ST, ELGIN, IL 60123-7415
Document Number	0000020400
Instrument Date	Mar 14, 2022
Instrument	2022K020400
Transaction Type	Transfer
Record Updated	Aug 05, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$180.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 VANDALIA ST, ELGIN, IL 60123-7415

Mortgage

Document Number	0000020401
Date	Apr 14, 2022
Instrument	2022K020401

Lender

Name	GMFS LLC
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 01, 2052

Interest

Rate Type	Fixed Rate
Rate	4%

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,447.00 (+15.95%)
2024		$77,842 (+21.39%) Land $15,901 Building $61,941	$233,619 (+21.44%) Land $47,722 Building $185,897
2022	$5,560.00 (+3.96%)	$64,123 (+6.96%) Land $13,098 Building $51,025	$192,369 (+6.96%) Land $39,294 Building $153,075
2021	$5,348.00	$59,951 Land $12,246 Building $47,705	$179,853 Land $36,738 Building $143,115

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170898516005, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Claims	1 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2008, rainfall accumulation, Severe Storms And Flooding

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 578 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Radiate Holdings	Cable	1,500 / 50
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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