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421 Morgan St, Elgin, IL 60123 Property Records

Kane County property record for 421 Morgan St, Elgin, IL 60123

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 910 sqft · built 1967
Lot Size0.169 acres (7,375 sqft)
Owner2 Individual Names on Record
Last Sale$155,000 (Oct 2018)
Tax Bill$4,643 (2025)
Deeds & MortgagesFeb 2021 Mortgage
Oct 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN06-23-259-009

Property Details

APN / Parcel Number

Primary APN06-23-259-009

Interior

Bedrooms2 Beds
Full Baths1 Bath
Total Rooms4 Rooms
Stories1 Story
Building Area910 sqft Living Area
Gross Area1,820 sqft
1st Floor Area910 sqft
Basement Area910 sqft

Exterior

Year BuiltBuilt 1967
Effective Year BuiltEffective 1967
Construction TypeFrame
Lot Area7,375 sqft (0.169 acres)
Lot Dimensions148 ft deep x 50 ft wide
Garage TypeDetached
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemHVAC

Location & Zoning

Street Address421 MORGAN ST
CityELGIN
StateIL
Zip60123-7537
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionMORGAN PARK ADDN LOT 6 BLOCK 4
Legal SubdivisionMORGAN PARK ADDN
Legal Block4
Legal Lot Number6
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group4
Census Block4012
Census Tract851600

Owner

Source: Kane County records, as of July 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address421 MORGAN ST, ELGIN, IL 60123-7537
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
Feb 5, 2021Deed of Trust, Mortgage · Conventional Mortgage
LOANDEPOT.COM LLC
Oct 3, 2018Warranty Deed, Transfer · FHA Mortgage
LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 3, 2018 · Amount on Record
Deed SaleOct 3, 2018 · Amount on Record
Prior SaleSep 3, 1998 · Amount on Record
Deed Document Number201848265
Prior Transfer DateNov 23, 2002
Prior Transfer Doc0000002197
Record UpdatedSep 20, 2026

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address421 MORGAN ST, ELGIN, IL 60123-7537
Transaction TypeMortgage
Record UpdatedFeb 22, 2021
Title CompanyOLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000009968
DateFeb 5, 2021
Instrument2021K009968
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term178 Months
DueDec 1, 2035
Interest
Rate2.62%

October 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateOct 3, 2018
Property Address421 MORGAN ST, ELGIN, IL 60123-7537
Document Number0000048265
Instrument DateAug 23, 2018
Instrument48265
Transaction TypeTransfer
Record UpdatedOct 15, 2018
Title CompanyATTORNEY'S TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$232.50
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address421 MORGAN ST ELGIN IL 601237537, ELGIN, IL 60123-7537

Mortgage

Document Number48266
DateOct 3, 2018
Instrument48266
Lender
NameLOANDEPOT.COM LLC
TypeFunding / Finance Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueOct 2, 2048
Interest
Rate4.87%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 2025

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionElgin Township
MunicipalityElgin City
Unified School DistrictSchool District U-46 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,643.00 (+15.79%) Homeowner's exemption
2024$63,431 (+21.39%) Land $14,313 Building $49,118$190,369 (+21.44%) Land $42,956 Building $147,413
2022$4,010.00 (+4.89%) Homeowner's exemption$52,252 (+6.96%) Land $11,791 Building $40,461$156,756 (+6.96%) Land $35,373 Building $121,383
2021$3,823.00 Homeowner's exemption$48,852 Land $11,024 Building $37,828$146,556 Land $33,072 Building $113,484

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskLow
lower than 99.1% of the US · lower than 94% of Illinois
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemELGIN
serves 114,797 people · EPA ID IL0894380
Water SourceSurface water
Last State InspectionAug 2025
Lead19 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting8
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 578 locations within half a mile, as of December 31, 2025

ProviderMax 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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