417 Oak St, Elgin, IL 60123 Property Records

Kane County property record for 417 Oak St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,500 sqft · built 1925
Lot Size	0.207 acres (9,018 sqft)
Owner	2 Individual Names on File
Last Sale	$166,000 (Oct 2017)
Tax Bill	$5,659 (2025)
Deeds & Mortgages	Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-23-253-011`

Property Details

APN / Parcel Number

Primary APN	`06-23-253-011`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,500 sqft Living Area
Gross Area	2,625 sqft
1st Floor Area	1,500 sqft
Basement Area	1,125 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Bungalow
Exterior Material	Brick
Lot Area	9,018 sqft (0.207 acres)
Lot Dimensions	175 ft deep x 52 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	417 OAK ST
City	ELGIN
State	IL
Zip	60123-7509
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	D E WOODS ADDN LOT 6 BLOCK 6
Legal Subdivision	D E WOODS ADDN
Legal Block	6
Legal Lot Number	6
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2014
Census Tract	851600

Owner

Source: Kane County records · APN 06-23-253-011

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	2 Individual Names on File
Mailing Address	417 OAK ST, ELGIN, IL 60123-7509
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 27, 2017 · Amount on Record
Deed Sale	Oct 27, 2017 · Amount on Record
Prior Sale	Jun 27, 2014 · Amount on Record
Deed Document Number	201756431
Prior Transfer Date	Aug 11, 1998
Prior Transfer Doc	0000085764
Record Updated	Sep 20, 2026

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 27, 2017
Property Address	417 OAK ST, ELGIN, IL 60123-7509
Document Number	0000056431
Instrument Date	Sep 14, 2017
Instrument	2017K056431
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$166.00
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	417 OAK ST, ELGIN, IL 60123-7509

Mortgage

Document Number	0000056432
Date	Oct 27, 2017
Instrument	2017K056432

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 01, 2047

Interest

Rate	4.12%

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	$5,659.00 (+15.8%) Homeowner's exemption
2024		$75,702 (+21.39%) Land $15,115 Building $60,587	$227,197 (+21.44%) Land $45,363 Building $181,834
2022	$4,887.00 (+4.74%) Homeowner's exemption	$62,361 (+6.96%) Land $12,451 Building $49,910	$187,083 (+6.96%) Land $37,353 Building $149,730
2021	$4,666.00 Homeowner's exemption	$58,303 Land $11,641 Building $46,662	$174,909 Land $34,923 Building $139,986

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), as of October 8, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170898516002, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Not rated no burnable land within 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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Radiate Holdings Cable	1,500 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: T-Mobile USA.

Based on FCC filings for 578 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system IL0894380, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ELGIN serves 114,797 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.