423 Orchard St, Elgin, IL 60123 Property Records

Kane County property record for 423 Orchard St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,646 sqft · built 1888
Lot Size	0.1 acres (4,368 sqft)
Owner	2 Individual Names on File
Last Sale	$136,000 (Nov 2017)
Tax Bill	$4,777 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Nov 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-23-252-015`

Property Details

APN / Parcel Number

Primary APN	`06-23-252-015`

Interior

Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,646 sqft Living Area
Gross Area	2,528 sqft
Basement Area	882 sqft

Exterior

Year Built	Built 1888
Effective Year Built	Effective 1888
Construction Type	Frame
Foundation Type	Raised
Lot Area	4,368 sqft (0.1 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	423 ORCHARD ST
City	ELGIN
State	IL
Zip	60123-7521
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAWKINS & PECKS 2ND ADDN LOT 12 (EXCEPT EAST 54 FT) & SOUTHERLY 2 FT MEASURED ON WEST LINE & SOUTHERLY 2.9 FT MEASURED EAST LINE OF LOT 11 (EXCEPT EAST 54 FT) BLOCK 2
Legal Subdivision	HAWKINS&PECKS 2ND ADDN
Legal Block	2
Legal Lot Number	12
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2015
Census Tract	851600

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	423 ORCHARD ST, ELGIN, IL 60123-7521
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 28, 2017	Grant Deed, Transfer · FHA Mortgage CALIBER HM LOANS
May 19, 2017	Deed of Trust, Mortgage · Line of Credit DUPAGE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 28, 2017 · Amount on File
Deed Sale	Nov 28, 2017 · Amount on File
Deed Document Number	201761882
Prior Transfer Date	Apr 30, 2014
Prior Transfer Doc	0000033316
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	423 ORCHARD ST, ELGIN, IL 60123-7521
Transaction Type	Mortgage
Record Updated	Nov 3, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000081161
Date	Oct 27, 2021
Instrument	2021K081161

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KANE IL
Recording Date	Nov 28, 2017
Property Address	423 ORCHARD ST, ELGIN, IL 60123-7521
Document Number	0000061882
Instrument Date	Oct 30, 2017
Instrument	61882
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	CITYWIDE TITLE CORPORATION

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$204.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	305 FULTON ST ELGIN IL 601206517, ELGIN, IL 60120-6517

Mortgage

Document Number	61883
Date	Nov 28, 2017
Instrument	61883

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 27, 2047

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	423 ORCHARD ST, ELGIN, IL 60123-7521
Document Number	0000026260
Instrument Date	May 19, 2017
Transaction Type	Mortgage
Record Updated	Jul 3, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 ORCHARD ST ELGIN IL 601237521, ELGIN, IL 60123-7521

Mortgage

Document Number	0000026260
Date	May 24, 2017
Instrument	26260

Lender

Name	DUPAGE CU
Type	Credit Union
Address	NAPERVILLE, IL 60563

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	May 23, 2037

Interest

Rate Type	Adjustable Rate

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	$4,777.00 (+13.23%) Homeowner's exemption Senior Citizen's exemption	$78,626 (+8.57%) Land $12,953 Building $65,673	$235,972 (+8.57%) Land $38,875 Building $197,098
2024		$72,420 (+21.39%) Land $11,931 Building $60,489	$217,347 (+21.44%) Land $35,807 Building $181,540
2022	$4,219.00 (+5.63%) Homeowner's exemption	$59,658 (+6.96%) Land $9,829 Building $49,829	$178,974 (+6.96%) Land $29,487 Building $149,487
2021	$3,994.00 Homeowner's exemption	$55,776 Land $9,189 Building $46,587	$167,328 Land $27,567 Building $139,761

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 · 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.

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 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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