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431 Griswold St, Elgin, IL 60123 Property Records

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

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,128 sqft · built 1952
Lot Size0.147 acres (6,402 sqft)
OwnerIndividual Name on Record
Last Sale$305,000 (Aug 2025)
Tax Bill$5,870 (2025)
Deeds & MortgagesJul 2026 Mortgage
Aug 2018 Sale
Flood ZoneZone X (minimal risk)
APN06-23-278-008

Property Details

APN / Parcel Number

Primary APN06-23-278-008

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms5 Rooms
Stories1 Story
Building Area1,128 sqft Living Area
Gross Area2,046 sqft
1st Floor Area1,128 sqft
Basement Area918 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1952
Effective Year BuiltEffective 1952
Exterior MaterialBrick
Lot Area6,402 sqft (0.147 acres)
Garage TypeDetached
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemHVAC

Location & Zoning

Street Address431 GRISWOLD ST
CityELGIN
StateIL
Zip60123-7625
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionYMCA ADDN LOT 8 BLOCK 1
Legal SubdivisionYMCA ADDN
Legal Block1
Legal Lot Number8
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group3
Census Block3002
Census Tract851600

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 RecordIndividual Name on Record
Mailing Address1270 SHULER ST, ELGIN, IL 60123-6032
Owner TypeIndividual
VestingMarried Man, Separate Property

Deeds, Mortgages & Sale History

DateDocument
Jul 15, 2026Deed of Trust, Mortgage · FHA Mortgage
NEIGHBORHOOD LOANS
Aug 15, 2018Warranty Deed, Transfer
AFFINITY TITLE SERVICES

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 1, 2025 · Amount on Record
Deed SaleAug 1, 2025 · Amount on Record
Prior SaleAug 15, 2018 · Amount on Record
Deed Document Number202528860
Prior Transfer DateFeb 24, 2003
Prior Transfer Doc0000038399
Record UpdatedOct 29, 2026

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Recording DateJul 15, 2026
Property Address431 GRISWOLD ST, ELGIN, IL 60123-7625
Document Number0000030053
Instrument DateJun 25, 2026
Instrument202630053
Transaction TypeMortgage
Record UpdatedJul 22, 2026
Title CompanyCARRINGTON TITLE PARTNERS LLC, CARRINGTON TITLE PARTNERS

Transferred To (Grantee/Buyer)

NameVerified Name
Address431 GRISWOLD ST, ELGIN, IL 60123-7625

Mortgage

Document Number0000030053,
DateJul 15, 2026
Instrument202630053
Lender
NameNEIGHBORHOOD LOANS
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJul 1, 2056
Interest
Rate6.25%
Max Rate-1%

August 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateAug 15, 2018
Property Address431 GRISWOLD ST, ELGIN, IL 60123-7625
Document Number0000039808
Instrument DateJul 19, 2018
Instrument39808
Transaction TypeTransfer
Record UpdatedAug 24, 2018
Title CompanyAFFINITY TITLE SERVICES

Transaction

AmountAmount Recorded
Tax$292.50
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address431 GRISWOLD ST ELGIN IL 601237625, ELGIN, IL 60123-7625

Tax Assessment & Valuation

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionElgin Township
MunicipalityElgin City
Unified School DistrictSchool District U-46 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,870.00 (+15.82%)$84,951 (+8.57%) Land $15,540 Building $69,411$254,955 (+8.57%) Land $46,639 Building $208,316
2024$78,245 (+21.39%) Land $14,313 Building $63,932$234,829 (+21.44%) Land $42,956 Building $191,873
2022$5,068.00 (+4.69%) Homeowner's exemption$64,456 (+6.96%) Land $11,791 Building $52,665$193,368 (+6.96%) Land $35,373 Building $157,995
2021$4,841.00 Homeowner's exemption$60,262 Land $11,024 Building $49,238$180,786 Land $33,072 Building $147,714

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot 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 RiskNot 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 SystemELGIN
serves 114,797 people · EPA ID IL0894380
Water SourceSurface water
Last State InspectionAug 2025
Lead19 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting8
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 385 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Astound Broadband
Cable		1,500 / 50
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20
AT&T
DSL · Fiber in parts of the area		100 / 20

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