423 E Chicago St, Apt M, Elgin, IL 60120 Property Records

Kane County property record for 423 E Chicago St, Apt M, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 791 sqft · built 1900
Owner	2 Individual Names on Record
Last Sale	$96,000 (Feb 2021)
Tax Bill	$1,469 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Feb 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-13-327-032`

Property Details

APN / Parcel Number

Primary APN	`06-13-327-032`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Units	8 Units
Stories	1 Story
Building Area	791 sqft Living Area
Gross Area	831 sqft
1st Floor Area	791 sqft
Basement Area	40 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Condo/Apartment
Construction Type	Frame

Location & Zoning

Street Address	423 E CHICAGO ST, M
City	ELGIN
State	IL
Zip	60120-5773
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	423-429 E CHICAGO ST CONDO - UNIT M
Legal Subdivision	E CHICAGO ST CONDO
Legal Block	2
Legal Lot Number	3
Legal Unit	M
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2003
Census Tract	851301

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Elgin Historic District listed 1983 · 327 contributing resources · NRIS 83000318

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	2 Individual Names on Record
Mailing Address	429 E CHICAGO ST, M, ELGIN, IL 60120-5793
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP
Feb 25, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Oct 15, 2019	Warranty Deed, Transfer · Conventional Mortgage CONSTRUCTIVE LNS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 25, 2021 · Amount on Record
Deed Sale	Feb 25, 2021 · Amount on Record
Prior Sale	Oct 15, 2019 · Amount on Record
Deed Document Number	202115049
Last Transfer Date	Apr 8, 2021
Transfer Doc	0000043179
Record Updated	Oct 29, 2026

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Jun 7, 2021
Property Address	423 E CHICAGO ST APT M, M, ELGIN, IL 60120-5773
Document Number	0000043179
Instrument Date	Apr 8, 2021
Instrument	2021K043179
Transaction Type	Transfer
Record Updated	Aug 29, 2023
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	429 E CHICAGO ST APT M, M, ELGIN, IL 60120-5793

Mortgage

Document Number	0000043180
Date	Jun 7, 2021
Instrument	2021K043180

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.25%

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Feb 25, 2021
Property Address	423 E CHICAGO ST APT M, M, ELGIN, IL 60120-5773
Document Number	0000015049
Instrument Date	Feb 2, 2021
Instrument	2021K015049
Transaction Type	Transfer
Record Updated	Aug 29, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$96.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	429 E CHICAGO ST APT M, M, ELGIN, IL 60120-5793
Investor	Possibly a Property Investor

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 15, 2019
Property Address	423 E CHICAGO ST # M, M, ELGIN, IL 60120-5773
Document Number	0000048672
Instrument Date	Oct 9, 2019
Instrument	48672
Transaction Type	Transfer
Record Updated	Oct 25, 2019
Title Company	GREATER ILLINOIS TITLE COMPANY, GREATER ILLINOIS TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$127.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	429 E CHICAGO ST #M ELGIN IL 601205793, M, ELGIN, IL 60120-5793

Mortgage

Document Number	48673
Date	Oct 15, 2019
Instrument	48673

Lender

Name	CONSTRUCTIVE LNS LLC
Address	FARMERS BRANCH, TX 75234

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 14, 2049

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	$1,469.00 (+15.4%) Homeowner's exemption	$27,256 (+8.57%) Land $7,263 Building $19,993	$81,801 (+8.57%) Land $21,798 Building $60,003
2024		$25,105 (+21.39%) Land $6,690 Building $18,415	$75,345 (+21.44%) Land $20,078 Building $55,267
2022	$1,273.00 (-26.2%) Homeowner's exemption	$20,681 (+6.96%) Land $5,511 Building $15,170	$62,043 (+6.96%) Land $16,533 Building $45,510
2021	$1,725.00	$19,335 Land $5,152 Building $14,183	$58,005 Land $15,456 Building $42,549

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	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 545 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable · Fiber in parts of the area	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: T-Mobile, Verizon.

Nearby Properties on E Chicago St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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