436 Morgan St, Elgin, IL 60123 Property Records

Kane County property record for 436 Morgan St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,128 sqft · built 1930
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$184,000 (Mar 2019)
Tax Bill	$4,858 (2025)
Deeds & Mortgages	Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-23-256-015`

Property Details

APN / Parcel Number

Primary APN	`06-23-256-015`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,128 sqft Living Area
Gross Area	2,118 sqft
1st Floor Area	1,128 sqft
Basement Area	990 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Construction Type	Frame
Foundation Type	Raised
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	436 MORGAN ST
City	ELGIN
State	IL
Zip	60123-7538
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WALTER P HEMMENS SUB OF LOTS 12, 13, 14, & 15 J P MORGANS 2ND ADDN LOT 1
Legal Subdivision	J P MORGANS 2ND ADD
Legal Block	4
Legal Lot Number	1,12-
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4001
Census Tract	851600

Owner

436 Morgan St is owned and occupied by two individuals who bought it in March 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	436 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	2 Names on Deed
Last Sale	Mar 8, 2019 · Amount on File
Deed Sale	Mar 8, 2019 · Amount on File
Prior Sale	Jul 18, 2002 · Amount on File
Deed Document Number	20199202
Record Updated	Oct 29, 2026

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Mar 8, 2019
Property Address	436 MORGAN ST, ELGIN, IL 60123-7538
Document Number	0000009202
Instrument Date	Feb 28, 2019
Instrument	2019K009202
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	ATTORNEYS TTL GUARANTY FUND

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$184.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	436 MORGAN ST, ELGIN, IL 60123-7538

Mortgage

Document Number	0000009203
Date	Mar 8, 2019
Instrument	2019K009203

Lender

Name	INLANTA MORTGAGE INC
Type	Mortgage Company

Agreement

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

Interest

Rate	5.75%

Tax Assessment & Valuation

The 2025 property tax bill for 436 Morgan St was $4,858 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	$4,858.00 Homeowner's exemption	$71,683 (+8.57%) Land $15,540 Building $56,143	$215,135 (+8.57%) Land $46,639 Building $168,496
2024		$66,024 Land $14,313 Building $51,711	$198,151 Land $42,956 Building $155,195
2022	$4,195.00 (+4.85%) Homeowner's exemption	$54,389 (+6.96%) Land $11,791 Building $42,598	$163,167 (+6.96%) Land $35,373 Building $127,794
2021	$4,001.00 Homeowner's exemption	$50,850 Land $11,024 Building $39,826	$152,550 Land $33,072 Building $119,478

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 436 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 436 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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