434 Morgan St, Elgin, IL 60123 Property Records

Kane County property record for 434 Morgan St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,048 sqft · built 1885
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$149,000 (Aug 2019)
Tax Bill	$4,558 (2025)
Deeds & Mortgages	Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-23-256-016`

Property Details

APN / Parcel Number

Primary APN	`06-23-256-016`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,048 sqft Living Area
Gross Area	2,096 sqft
1st Floor Area	1,048 sqft
Basement Area	1,048 sqft

Exterior

Year Built	Built 1885
Effective Year Built	Effective 1885
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	434 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 16
Legal Subdivision	J P MORGANS 2ND ADDN
Legal Block	4
Legal Lot Number	16
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4001
Census Tract	851600

Owner

434 Morgan St is owned and occupied by an individual who bought it in August 2019.

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

Owner of Record	Individual Name on File
Mailing Address	434 MORGAN ST, ELGIN, IL 60123-7538
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2019 · Amount on File
Deed Sale	Aug 1, 2019 · Amount on File
Deed Document Number	201933971
Prior Transfer Date	Jul 20, 2015
Prior Transfer Doc	0000043896
Record Updated	Oct 29, 2026

August 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	Aug 1, 2019
Property Address	434 MORGAN ST, ELGIN, IL 60123-7538
Document Number	0000033971
Instrument Date	Jun 13, 2019
Instrument	2019K033971
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	STARCK TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$149.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	434 MORGAN ST, 434, ELGIN, IL 60123-7538

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	434 MORGAN ST, ELGIN, IL 60123-7538

Mortgage

Document Number	0000033972
Date	Aug 1, 2019
Instrument	2019K033972

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 434 Morgan St was $4,558 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	$4,558.00 Homeowner's exemption	$67,756 (+8.57%) Land $18,999 Building $48,757	$203,349 (+8.57%) Land $57,020 Building $146,330
2024		$62,407 Land $17,499 Building $44,908	$187,296 Land $52,518 Building $134,778
2022	$3,937.00 (+4.93%) Homeowner's exemption	$51,409 (+6.96%) Land $14,415 Building $36,994	$154,227 (+6.96%) Land $43,245 Building $110,982
2021	$3,752.00 Homeowner's exemption	$48,064 Land $13,477 Building $34,587	$144,192 Land $40,431 Building $103,761

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 434 Morgan 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.

Wildfire

The area around 434 Morgan 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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