Kane County property record for 419 Orchard St, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,407 sqft · built 1898 |
| Lot Size | 0.93 acres (4,056 sqft) |
| Owner | Individual Name on File |
| Last Sale | $47,500 (Dec 2012) |
| Tax Bill | $4,406 (2025) |
| Deeds & Mortgages | Aug 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-23-252-014 |
| Primary APN | 06-23-252-014 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 5 Stories |
| Building Area | 1,407 sqft Living Area |
| Gross Area | 2,345 sqft |
| Basement Area | 938 sqft |
| Year Built | Built 1898 |
|---|---|
| Effective Year Built | Effective 1898 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 4,056 sqft (0.93 acres) |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Cooling System | None |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 419 ORCHARD ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-7521 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HAWKINS & PECK'S 2ND ADDN WEST 16 82 FT LOT 11 BLOCK 2(EXCEPT SOUTHERLY 2 FT MEASURED ON WEST LINE OF WEST 78.12 FT & SOUTHERLY 3.9 FT MEASURED ON EAST LINE) |
| Legal Subdivision | HAWKINS&PECKS 2ND ADDN |
| Legal Block | 2 |
| Legal Lot Number | 11 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 851600 |
419 Orchard St is owned and occupied by an individual who bought it in December 2012.
Source: Kane County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 419 ORCHARD ST, ELGIN, IL 60123-7521 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Person |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 19, 2012 · Amount on File |
| Deed Sale | Dec 19, 2012 · Amount on File |
| Prior Sale | Sep 21, 2012 |
| Deed Document Number | 201289069 |
| Prior Transfer Date | Jul 10, 2012 |
| Prior Transfer Doc | 0000064014 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 419 ORCHARD ST, ELGIN, IL 60123-7521 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2022 |
| Title Company | ATTORNEY TITLE GUARANTY FUND |
| Name | Verified Name |
|---|
| Document Number | 0000039756 |
|---|---|
| Date | Aug 1, 2017 |
| Instrument | 2017K039756 |
| Name | BMO HARRIS BANK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60690 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Aug 1, 2032 |
The 2025 property tax bill for 419 Orchard St was $4,406 with a homeowner's exemption, up 4.7% from the year before.
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,406.00 (+4.73%) Homeowner's exemption | $65,765 (+8.57%) Land $12,953 Building $52,812 | $197,374 (+8.57%) Land $38,875 Building $158,499 |
| 2024 | $4,207.00 | $60,574 Land $11,931 Building $48,643 | $181,795 Land $35,807 Building $145,987 |
| 2022 | $3,806.00 (+4.96%) Homeowner's exemption | $49,899 (+6.96%) Land $9,829 Building $40,070 | $149,697 (+6.96%) Land $29,487 Building $120,210 |
| 2021 | $3,626.00 Homeowner's exemption | $46,652 Land $9,189 Building $37,463 | $139,956 Land $27,567 Building $112,389 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 419 Orchard St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1979.
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 | 4 (1979–1982) |
| Most Recent Claim | Dec 1982 · 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.
The area around 419 Orchard St 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 578 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 | 100 / 20 |
May also be available: T-Mobile.
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