424 Ball St, Elgin, IL 60123 Property Records

Kane County property record for 424 Ball St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,554 sqft · built 1903
Lot Size	0.11 acres (4,775 sqft)
Owner	2 Individual Names on Record
Last Sale	$120,000 (Oct 2009)
Tax Bill	$4,044 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-14-178-020`

Property Details

APN / Parcel Number

Primary APN	`06-14-178-020`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,554 sqft Living Area
Gross Area	2,275 sqft
Basement Area	721 sqft

Exterior

Year Built	Built 1903
Effective Year Built	Effective 1903
Construction Type	Frame
Lot Area	4,775 sqft (0.11 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	424 BALL ST
City	ELGIN
State	IL
Zip	60123-5316
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W C KIMBALL'S PLAT OF WEST ELGIN WEST 24 FT OF LOT 4 & WEST 24 FT OF SOUTH 34 FT OF LOT 3 BLOCK 41 & W C KIMBALL'S 2ND ADDN SOUTH 34 FT OF LOT 4 & ALL OF LOT 5 BLOCK 32
Legal Subdivision	C KIMBALLS 2ND ADDN
Legal Block	1
Legal Lot Number	4,3
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1009
Census Tract	851102

Owner

Source: Kane County records, as of September 11, 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	424 BALL ST, ELGIN, IL 60123-5316
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2026	Deed of Trust, Mortgage · Line of Credit US BANK
Jan 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage MERIDIAN HOME MORTGAGE CORP
Jul 17, 2018	Deed of Trust, Mortgage · VA Mortgage MR COOPER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 6, 2009 · Amount on Record
Deed Sale	Oct 6, 2009 · Amount on Record
Prior Sale	Apr 2, 2009
Deed Document Number	200974949
Prior Transfer Date	Jan 30, 2009
Prior Transfer Doc	0000024516
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	Sep 2, 2026
Property Address	424 BALL ST, ELGIN, IL 60123-5316
Document Number	0000038168
Instrument Date	Aug 18, 2026
Instrument	202638168
Transaction Type	Mortgage
Record Updated	Sep 11, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	424 BALL ST, ELGIN, IL 60123-5316

Mortgage

Document Number	0000038168,
Date	Sep 2, 2026
Instrument	202638168

Lender

Name	US BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 28, 2056

Interest

Rate	7.35%
Max Rate	-1%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	424 BALL ST, ELGIN, IL 60123-5316
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ADVANTAGE TITLE CO LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004860
Date	Jan 20, 2021
Instrument	2021K004860

Lender

Name	MERIDIAN HOME MORTGAGE CORP
Type	Mortgage Company
Address	WESTMINSTER, MD 21157

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2041

Interest

Rate Type	Fixed Rate
Rate	3.62%

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	424 BALL ST, ELGIN, IL 60123-5316
Document Number	0000035482
Instrument Date	Jul 17, 2018
Transaction Type	Mortgage
Record Updated	Aug 2, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	424 BALL ST ELGIN IL 601235316, ELGIN, IL 60123-5316

Mortgage

Document Number	0000035482
Date	Jul 24, 2018
Instrument	35482

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2048

Interest

Rate	4.37%

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	$4,044.00 (+15.74%) Homeowner's exemption	$61,016 (+8.57%) Land $10,413 Building $50,603	$183,121 (+8.57%) Land $31,252 Building $151,870
2024		$56,200 (+21.39%) Land $9,591 Building $46,609	$168,667 (+21.44%) Land $28,785 Building $139,883
2022	$3,494.00 (+6.92%) Homeowner's exemption	$46,296 (+6.96%) Land $7,901 Building $38,395	$138,888 (+6.96%) Land $23,703 Building $115,185
2021	$3,268.00 Homeowner's exemption	$43,284 Land $7,387 Building $35,897	$129,852 Land $22,161 Building $107,691

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	3 (1978–2009)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Mar 2009 · 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 381 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
Fox Valley Internet Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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