417 W Chicago St, Elgin, IL 60123 Property Records

Kane County property record for 417 W Chicago St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,419 sqft · built 1945
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on Record
Last Sale	$205,000 (Mar 2007)
Tax Bill	$6,988 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Apr 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-14-407-019`

Property Details

APN / Parcel Number

Primary APN	`06-14-407-019`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,419 sqft Living Area
Gross Area	2,830 sqft
1st Floor Area	1,419 sqft
Basement Area	1,411 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	17,424 sqft (0.4 acres)
Garage Type	Detached
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Water Source	Commercial

Location & Zoning

Street Address	417 W CHICAGO ST
City	ELGIN
State	IL
Zip	60123-5407
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W C KIMBALLS PLAT OF WEST ELGIN LOTS 1 & 2 BLOCK 46
Legal Subdivision	WEST ELGIN
Legal Block	46
Legal Lot Number	1,2
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2011
Census Tract	851101

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	Individual Name on Record
Mailing Address	417 W CHICAGO ST, ELGIN, IL 60123-5407
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2022	Deed of Trust, Mortgage · Commercial Mortgage US BANK NA
Apr 13, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 9, 2007 · Amount on Record
Deed Sale	Mar 9, 2007 · Amount on Record
Prior Sale	Nov 6, 2000 · Amount on Record
Deed Document Number	200727395
Last Transfer Date	Aug 7, 2011
Transfer Doc	0000050745
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	417 W CHICAGO ST, ELGIN, IL 60123-5407
Transaction Type	Mortgage
Record Updated	Nov 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	417 W CHICAGO ST, ELGIN, IL 60123-5407

Mortgage

Document Number	0000055533
Date	Nov 18, 2022
Instrument	2022K055533

Lender

Name	US BANK NA
Type	Bank
Address	DEERFIELD, IL 60015

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 5, 2037

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	417 W CHICAGO ST, ELGIN, IL 60123-5407
Transaction Type	Mortgage
Record Updated	Apr 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	417 W CHICAGO ST, ELGIN, IL 60123-5407

Mortgage

Document Number	0000020202
Date	Apr 13, 2022
Instrument	2022K020202

Lender

Name	US BANK NA
Type	Bank
Address	DEERFIELD, IL 60015

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$6,988.00 (+14.09%) Homeowner's exemption Senior Citizen's exemption	$107,597 (+8.57%) Land $27,162 Building $80,435	$322,920 (+8.57%) Land $81,519 Building $241,402
2024		$99,104 (+21.39%) Land $25,018 Building $74,086	$297,431 (+21.44%) Land $75,084 Building $222,347
2022	$6,125.00 (+5.1%) Homeowner's exemption	$81,638 (+6.96%) Land $20,609 Building $61,029	$244,914 (+6.96%) Land $61,827 Building $183,087
2021	$5,828.00 Homeowner's exemption	$76,326 Land $19,268 Building $57,058	$228,978 Land $57,804 Building $171,174

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

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 440 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Fox Valley Internet, Verizon.

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