422 Locust St, Elgin, IL 60123 Property Records

Kane County property record for 422 Locust St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,774 sqft · built 1880
Lot Size	0.265 acres (11,551 sqft)
Owner	Individual Name on File
Last Sale	$395,000 (Oct 2025)
Tax Bill	$6,167 (2025)
Deeds & Mortgages	May 2022 Line of Credit Oct 2025 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-14-409-026`

Property Details

APN / Parcel Number

Primary APN	`06-14-409-026`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,774 sqft Living Area
Gross Area	2,850 sqft
Basement Area	1,076 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Construction Type	Frame
Lot Area	11,551 sqft (0.265 acres)
Garage Type	Detached
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Water Source	Commercial

Location & Zoning

Street Address	422 LOCUST ST
City	ELGIN
State	IL
Zip	60123-0809
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUPERVISORS ASSESSMENT PLAT LOTS 1 THRU 12 INCLUSIVE OF S J KIMBALLS ADDN LOT I
Legal Subdivision	SUPERVISORS ASSESSMENT PLAT
Legal Block	1
Legal Lot Number	1-12,
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1005
Census Tract	851600

Owner

422 Locust St is owned by an individual who bought it in October 2025.

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

Owner of Record	Individual Name on File
Mailing Address	160 S JANE DR, ELGIN, IL 60123-5912
Owner Type	Individual
Vesting	Unmarried Man

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

Date	Document
May 10, 2022	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Oct 27, 2025	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Dec 13, 2019	Deed of Trust, Mortgage NEWCASTLE HM LNS
Apr 1, 2019	Warranty Deed, Transfer · FHA Mortgage NEWCASTLE HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 27, 2025 · Amount on File
Deed Sale	Oct 27, 2025 · Amount on File
Prior Sale	Apr 1, 2019 · Amount on File
Deed Document Number	202542154
Prior Transfer Date	Mar 12, 1997
Prior Transfer Doc	0000019124
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	422 LOCUST ST, ELGIN, IL 60123-0809
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025199
Date	May 10, 2022
Instrument	2022K025199

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 27, 2025
Property Address	422 LOCUST ST, ELGIN, IL 60123-0809
Document Number	0000042154
Instrument Date	Oct 3, 2025
Instrument	2025K042154
Transaction Type	Transfer
Record Updated	Nov 4, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Tax	$395.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20078 STELLA WAY UNIT 368, 368, LUTZ, FL 33558-5766

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1605 S JANE DR, ELGIN, IL 60123
Investor	Possibly a Property Investor

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	422 LOCUST ST, ELGIN, IL 60123-0809
Document Number	0000061652
Instrument Date	Dec 13, 2019
Transaction Type	Mortgage
Record Updated	Jan 3, 2020
Title Company	SNP TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	422 LOCUST ST ELGIN IL 601230809, ELGIN, IL 60123-0809

Mortgage

Document Number	0000061652
Date	Dec 19, 2019
Instrument	61652

Lender

Name	NEWCASTLE HM LNS
Type	Funding / Finance Company
Address	CHICAGO, IL 60622

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 18, 2049

Interest

Rate	3.5%

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 1, 2019
Property Address	422 LOCUST ST, ELGIN, IL 60123-0809
Document Number	0000012476
Instrument Date	Apr 1, 2019
Instrument	12476
Transaction Type	Transfer
Record Updated	Apr 11, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$292.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	429 LOCUST ST ELGIN IL 60123, ELGIN, IL 60123

Mortgage

Document Number	12477
Date	Apr 1, 2019
Instrument	12477

Lender

Name	NEWCASTLE HM LNS
Type	Funding / Finance Company
Address	CHICAGO, IL 60622

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 422 Locust St was $6,167, up 4.4% 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	$6,167.00 (+4.38%) Homeowner's exemption	$90,919 (+8.57%) Land $21,667 Building $69,252	$272,866 (+8.57%) Land $65,027 Building $207,839
2024	$5,908.00 Homeowner's exemption	$83,743 Land $19,957 Building $63,786	$251,330 Land $59,895 Building $191,435
2022	$4,910.00 (+4.74%) Homeowner's exemption	$62,630 (+6.96%) Land $16,440 Building $46,190	$187,890 (+6.96%) Land $49,320 Building $138,570
2021	$4,688.00 Homeowner's exemption	$58,554 Land $15,370 Building $43,184	$175,662 Land $46,110 Building $129,552

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 422 Locust St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 422 Locust St is low, with less than a 0.01% annual chance of 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.

Nearby Properties on Locust St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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