Kane County property record for 427 W Chicago St, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,200 sqft · built 1927 |
| Lot Size | 0.164 acres (7,150 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,963 (2025) |
| Deeds & Mortgages | Apr 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-14-407-018 |
| Primary APN | 06-14-407-018 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,200 sqft Living Area |
| Gross Area | 2,100 sqft |
| 1st Floor Area | 1,200 sqft |
| Basement Area | 900 sqft |
| Year Built | Built 1927 |
|---|---|
| Effective Year Built | Effective 1927 |
| Construction Type | Frame |
| Lot Area | 7,150 sqft (0.164 acres) |
| Lot Dimensions | 143 ft deep x 50 ft wide |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|
| Street Address | 427 W CHICAGO ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-5407 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GROMERS SUB EAST 1 FT OF LOT 4 & ALL OF LOT 5 |
| Legal Subdivision | GROMERS SUB |
| Legal Block | 2 |
| Legal Lot Number | 4,5 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 851101 |
427 W Chicago St is owned and occupied by an individual who acquired it in May 2009.
Source: Kane County records, as of July 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 427 W CHICAGO ST, ELGIN, IL 60123-5407 |
| 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 | Name on Deed |
|---|---|
| Last Sale | May 15, 2009 |
| Deed Sale | May 15, 2009 |
| Prior Sale | Dec 22, 1999 · Amount on File |
| Deed Document Number | 200936700 |
| Prior Transfer Date | Sep 30, 1998 |
| Prior Transfer Doc | 0000096995 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 427 W CHICAGO ST, ELGIN, IL 60123-5407 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Title Company | HALLMARK TITLE, HALLMARK TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0000018191 |
|---|---|
| Date | Apr 1, 2022 |
| Instrument | 2022K018191 |
| Name | KANE COUNTY TEACHERS CU |
|---|---|
| Type | Credit Union |
| Address | ELGIN, IL 60123 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Apr 1, 2042 |
The 2025 property tax bill for 427 W Chicago St was $4,963 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 | $4,963.00 Homeowner's exemption | $73,060 (+8.57%) Land $16,143 Building $56,917 | $219,268 (+8.57%) Land $48,448 Building $170,819 |
| 2024 | $67,293 Land $14,869 Building $52,424 | $201,960 Land $44,625 Building $157,335 | |
| 2022 | $4,286.00 (+4.84%) Homeowner's exemption | $55,434 (+6.96%) Land $12,249 Building $43,185 | $166,302 (+6.96%) Land $36,747 Building $129,555 |
| 2021 | $4,088.00 Homeowner's exemption | $51,827 Land $11,452 Building $40,375 | $155,481 Land $34,356 Building $121,125 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 427 W Chicago St in Zone X, an area of minimal flood risk.
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.
The area around 427 W Chicago 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 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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