431 Elm St, Elgin, IL 60123 Property Records

Kane County property record for 431 Elm St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,268 sqft · built 1925
Lot Size	0.166 acres (7,236 sqft)
Owner	2 Individual Names on File
Last Sale	$178,000 (Dec 2019)
Tax Bill	$4,806 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-23-276-006`

Property Details

APN / Parcel Number

Primary APN	`06-23-276-006`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,268 sqft Living Area
Gross Area	2,536 sqft
1st Floor Area	1,268 sqft
Basement Area	1,268 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Bungalow
Construction Type	Frame
Lot Area	7,236 sqft (0.166 acres)
Lot Dimensions	134 ft deep x 54 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	431 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 6 BLOCK 7
Legal Subdivision	D E WOODS ADDN
Legal Block	7
Legal Lot Number	6
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2013
Census Tract	851600

Owner

431 Elm St is owned and occupied by two individuals who acquired it in June 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	431 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.

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED HOME LOANS INC
Dec 13, 2019	Warranty Deed, Transfer · Conventional with PMI MICHIGAN MUTUAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2019 · Amount on File
Deed Sale	Dec 13, 2019 · Amount on File
Prior Sale	Oct 9, 2007 · Amount on File
Deed Document Number	201960709
Last Transfer Date	Jun 9, 2021
Transfer Doc	0000047137
Record Updated	Oct 29, 2026

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Jun 21, 2021
Property Address	431 ELM ST, ELGIN, IL 60123-7503
Document Number	0000047137
Instrument Date	Jun 7, 2021
Instrument	2021K047137
Transaction Type	Transfer
Record Updated	Jul 9, 2021
Title Company	LAKESHORE TITLE AGENCY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 ELM ST, ELGIN, IL 60123-7503

Mortgage

Document Number	0000047138
Date	Jun 21, 2021
Instrument	2021K047138

Lender

Name	UNITED HOME LOANS INC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	3.25%

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 13, 2019
Property Address	431 ELM ST, ELGIN, IL 60123-7503
Document Number	0000060709
Instrument Date	Dec 10, 2019
Instrument	60709
Transaction Type	Transfer
Record Updated	Dec 27, 2019
Title Company	ALLIANCE TITLE COMPANY, ALLIANCE TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$267.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 ELM ST ELGIN IL 601237503, ELGIN, IL 60123-7503

Mortgage

Document Number	60710
Date	Dec 13, 2019
Instrument	60710

Lender

Name	MICHIGAN MUTUAL
Type	Funding / Finance Company
Address	PORT HURON, MI 48060

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 12, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 431 Elm St was $4,806 with a homeowner's exemption.

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	$4,806.00 Homeowner's exemption	$70,996 (+8.57%) Land $17,264 Building $53,732	$213,073 (+8.57%) Land $51,813 Building $161,261
2024		$65,392 Land $15,901 Building $49,491	$196,255 Land $47,722 Building $148,532
2022	$4,150.00 (+4.88%) Homeowner's exemption	$53,867 (+6.96%) Land $13,098 Building $40,769	$161,601 (+6.96%) Land $39,294 Building $122,307
2021	$3,957.00 Homeowner's exemption	$50,362 Land $12,246 Building $38,116	$151,086 Land $36,738 Building $114,348

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

FEMA maps place 431 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.

Wildfire

The area around 431 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.

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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