418 Mountain St, #20, Elgin, IL 60123 Property Records

Kane County property record for 418 Mountain St, #20, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,312 sqft · built 1870
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on File
Last Sale	$240,000 (Apr 2026)
Tax Bill	$7,517 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-14-257-009`

Property Details

APN / Parcel Number

Primary APN	`06-14-257-009`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,312 sqft Living Area
Gross Area	3,488 sqft
Basement Area	1,176 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Construction Type	Frame
Lot Area	17,424 sqft (0.4 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	418 MOUNTAIN ST, 20
City	ELGIN
State	IL
Zip	60123-5443
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W C KIMBALLS PLAT OF WEST ELGIN LOTS 3 & 4 BLOCK 43
Legal Subdivision	WEST ELGIN
Legal Block	43
Legal Lot Number	3,4
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1017
Census Tract	851102

Owner

418 Mountain St, #20 is owned by an individual who bought it in April 2026.

Source: Kane County records, as of July 23, 2026

Owner of Record	Individual Name on File
Mailing Address	9N010 CORRON RD, ELGIN, IL 60124-8611
Owner Type	Individual
Vesting	Married Man, Separate Property

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 13, 2026 · Amount on File
Deed Sale	Apr 13, 2026 · Amount on File
Prior Sale	Jul 7, 1997 · Amount on File
Deed Document Number	202614658
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 13, 2026
Property Address	418 MOUNTAIN ST, 20, ELGIN, IL 60123-5443
Document Number	0000014658
Instrument Date	Mar 31, 2026
Instrument	202614658
Transaction Type	Transfer
Record Updated	Aug 24, 2026
Title Company	BB AND T ML POST CLOSING, POST CLOSING

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$36,360.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9N010 CORRON RD, ELGIN, IL 60124-8611

Mortgage

Document Number	0000014659,
Date	Apr 13, 2026
Instrument	202614659

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	7.88%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 418 Mountain St, #20 was $7,517, up 3.5% from the year before.

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	$7,517.00 (+3.51%)	$98,532 (+8.57%) Land $28,741 Building $69,791	$295,714 (+8.57%) Land $86,258 Building $209,457
2024	$7,262.00	$90,754 Land $26,472 Building $64,282	$272,371 Land $79,448 Building $192,923
2022	$6,065.00 (+3.96%)	$69,945 (+6.96%) Land $21,806 Building $48,139	$209,835 (+6.96%) Land $65,418 Building $144,417
2021	$5,834.00	$65,394 Land $20,387 Building $45,007	$196,182 Land $61,161 Building $135,021

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

FEMA maps place 418 Mountain St, #20 in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1978.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	3 (1978–2009)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Mar 2009 · rainfall accumulation

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

The area around 418 Mountain St, #20 has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 381 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
Fox Valley Internet Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

Nearby Properties on Mountain St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures