Kane County property record for 423 Elm St, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,839 sqft · built 1927 |
| Lot Size | 0.167 acres (7,261 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $128,000 (Dec 1996) |
| Tax Bill | $6,214 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-23-276-005 |
| Primary APN | 06-23-276-005 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 5 Stories |
| Building Area | 1,839 sqft Living Area |
| Gross Area | 3,065 sqft |
| Basement Area | 1,226 sqft |
| Year Built | Built 1927 |
|---|---|
| Effective Year Built | Effective 1927 |
| Exterior Material | Brick |
| Lot Area | 7,261 sqft (0.167 acres) |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|
| Street Address | 423 ELM ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-7503 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | D E WOODS ADDN LOT 5 BLOCK 7 |
| Legal Subdivision | D E WOODS ADDN |
| Legal Block | 7 |
| Legal Lot Number | 5 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 851600 |
423 Elm St is owned and occupied by two individuals who acquired it in July 2010.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 423 ELM ST, ELGIN, IL 60123-7503 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 | 2 Names on Deed |
|---|---|
| Last Sale | Dec 11, 1996 · Amount on File |
| Deed Sale | Dec 11, 1996 · Amount on File |
| Deed Document Number | 199687436 |
| Last Transfer Date | Jul 22, 2010 |
| Transfer Doc | 0000052778 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 423 Elm St was $6,214 with a homeowner's exemption.
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 | $6,214.00 Homeowner's exemption | $89,462 (+8.57%) Land $17,264 Building $72,198 | $268,493 (+8.57%) Land $51,813 Building $216,681 |
| 2024 | $82,400 Land $15,901 Building $66,499 | $247,299 Land $47,722 Building $199,577 | |
| 2022 | $5,365.00 (+4.66%) Homeowner's exemption | $67,878 (+6.96%) Land $13,098 Building $54,780 | $203,634 (+6.96%) Land $39,294 Building $164,340 |
| 2021 | $5,126.00 Homeowner's exemption | $63,461 Land $12,246 Building $51,215 | $190,383 Land $36,738 Building $153,645 |
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.
FEMA maps place 423 Elm 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 423 Elm 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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