426 Morgan St, Elgin, IL 60123 Property Records

Kane County property record for 426 Morgan St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,679 sqft · built 1933
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$205,000 (Mar 2022)
Tax Bill	$6,208 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-23-256-017`

Property Details

APN / Parcel Number

Primary APN	`06-23-256-017`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	5 Stories
Building Area	1,679 sqft Living Area
Gross Area	2,798 sqft
Basement Area	1,119 sqft

Exterior

Year Built	Built 1933
Effective Year Built	Effective 1933
Architectural Style	Bungalow
Exterior Material	Brick
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Forced Air with A/C

Location & Zoning

Street Address	426 MORGAN ST
City	ELGIN
State	IL
Zip	60123-7538
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	J P MORGANS 2ND ADDN LOT 17
Legal Subdivision	J P MORGANS 2ND ADDN
Legal Block	4
Legal Lot Number	17
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4001
Census Tract	851600

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	426 MORGAN ST, ELGIN, IL 60123-7538
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 2022 · Amount on Record
Deed Sale	Mar 11, 2022 · Amount on Record
Prior Sale	May 13, 2005 · Amount on Record
Deed Document Number	202213750
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Mar 11, 2022
Property Address	426 MORGAN ST, ELGIN, IL 60123-7538
Document Number	0000013750
Instrument Date	Feb 14, 2022
Instrument	2022K013750
Transaction Type	Transfer
Record Updated	Mar 17, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$205.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1814 WINGER DR, 1814, PLAINFIELD, IL 60586-5281

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	426 MORGAN ST, ELGIN, IL 60123-7538

Mortgage

Document Number	0000013751
Date	Mar 11, 2022
Instrument	2022K013751

Lender

Name	KEY MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Fixed Rate
Rate	4.25%

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	$6,208.00 (+15.84%) Homeowner's exemption	$89,376 (+8.57%) Land $18,999 Building $70,377	$268,235 (+8.57%) Land $57,020 Building $211,215
2024		$82,321 (+21.39%) Land $17,499 Building $64,822	$247,062 (+21.44%) Land $52,518 Building $194,544
2022	$5,359.00 (+4.65%) Homeowner's exemption	$67,813 (+6.96%) Land $14,415 Building $53,398	$203,439 (+6.96%) Land $43,245 Building $160,194
2021	$5,121.00 Homeowner's exemption	$63,400 Land $13,477 Building $49,923	$190,200 Land $40,431 Building $149,769

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 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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