Kane County property record for 440 Morgan St, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,187 sqft · built 1920 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on File |
| Last Sale | $155,000 (Sep 2008) |
| Tax Bill | $4,495 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-23-256-014 |
| Primary APN | 06-23-256-014 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,187 sqft Living Area |
| Gross Area | 2,077 sqft |
| 1st Floor Area | 1,187 sqft |
| Basement Area | 890 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Bungalow |
| Construction Type | Frame |
| Lot Area | 6,534 sqft (0.15 acres) |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Pool Area | 200 sqft |
| Cooling System | Window A/C |
|---|---|
| Heating System | Baseboard |
| Water Source | Commercial |
| Street Address | 440 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 2 |
| Legal Subdivision | J P MORGANS 2ND ADD |
| Legal Block | 4 |
| Legal Lot Number | 2,12- |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 4 |
| Census Block | 4001 |
| Census Tract | 851600 |
440 Morgan St is owned and occupied by an individual who bought it in September 2008.
Source: Kane County records, as of July 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 440 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 2, 2008 · Amount on File |
| Deed Sale | Sep 2, 2008 · Amount on File |
| Deed Document Number | 200869131 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 440 Morgan St was $4,495 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 | $4,495.00 Homeowner's exemption | $66,931 (+8.57%) Land $15,540 Building $51,391 | $200,873 (+8.57%) Land $46,639 Building $154,235 |
| 2024 | $61,647 Land $14,313 Building $47,334 | $185,015 Land $42,956 Building $142,059 | |
| 2022 | $3,883.00 (+4.95%) Homeowner's exemption | $50,783 (+6.96%) Land $11,791 Building $38,992 | $152,349 (+6.96%) Land $35,373 Building $116,976 |
| 2021 | $3,700.00 Homeowner's exemption | $47,479 Land $11,024 Building $36,455 | $142,437 Land $33,072 Building $109,365 |
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.
FEMA maps place 440 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.
The area around 440 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.
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 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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