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445 Morgan St, Elgin, IL 60123 Property Records

Kane County property record for 445 Morgan St, Elgin, IL 60123

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,528 sqft · built 1913
Lot Size0.169 acres (7,375 sqft)
Owner2 Individual Names on Record
Last Sale$210,000 (Feb 2021)
Tax Bill$5,666 (2025)
Deeds & MortgagesMar 2023 Mortgage
Feb 2021 Foreclosure
Flood ZoneZone X (minimal risk)
APN06-23-259-004

Property Details

APN / Parcel Number

Primary APN06-23-259-004

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms6 Rooms
Stories2 Stories
Building Area1,528 sqft Living Area
Gross Area2,336 sqft
Basement Area808 sqft

Exterior

Year BuiltBuilt 1913
Effective Year BuiltEffective 1913
Construction TypeFrame
Lot Area7,375 sqft (0.169 acres)
Garage TypeDetached
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemHVAC

Location & Zoning

Street Address445 MORGAN ST
CityELGIN
StateIL
Zip60123-7537
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionMORGAN PARK ADDN LOT 11 BLOCK 4
Legal SubdivisionMORGAN PARK ADDN
Legal Block4
Legal Lot Number11
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group4
Census Block4012
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 Record2 Individual Names on Record
Mailing Address445 MORGAN ST, ELGIN, IL 60123-7537
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
Mar 22, 2023Deed of Trust, Mortgage · FHA Mortgage
FREEDOM MORTGAGE CORP
Feb 25, 2021Trustee's Deed, Foreclosure · FHA Mortgage
FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 25, 2021 · Amount on Record
Deed SaleFeb 25, 2021 · Amount on Record
Deed Document Number202114800
Prior Transfer DateFeb 8, 2021
Prior Transfer Doc0000014800
Record UpdatedOct 29, 2026

March 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address445 MORGAN ST, ELGIN, IL 60123-7537
Transaction TypeMortgage
Record UpdatedAug 10, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address445 MORGAN ST, ELGIN, IL 60123-7537

Mortgage

Document Number0000008806
DateMar 22, 2023
Instrument2023K008806
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term336 Months
DueMar 1, 2051

February 2021: Trustee's Deed, Foreclosure

Document TypeTrustee's Deed
JurisdictionKANE IL
Recording DateFeb 25, 2021
Property Address445 MORGAN ST, ELGIN, IL 60123-7537
Document Number0000014800
Instrument DateFeb 8, 2021
Instrument2021K014800
Transaction TypeForeclosure
Record UpdatedAug 10, 2023
Title CompanyE-CHICAGO TITLE, CHICAGO TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$210.00
Amount AccuracyRounded by County

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address445 MORGAN ST, ELGIN, IL 60123-7537

Mortgage

Document Number0000014801
DateFeb 25, 2021
Instrument2021K014801
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueMar 1, 2051
Interest
Rate2.5%

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$5,666.00 (+15.82%) Homeowner's exemption$82,273 (+8.57%) Land $15,540 Building $66,733$246,918 (+8.57%) Land $46,639 Building $200,279
2024$75,778 (+21.39%) Land $14,313 Building $61,465$227,425 (+21.44%) Land $42,956 Building $184,469
2022$4,892.00 (+15.79%) Homeowner's exemption$62,424 (+6.96%) Land $11,791 Building $50,633$187,272 (+6.96%) Land $35,373 Building $151,899
2021$4,225.00 Homeowner's exemption$58,362 Land $11,024 Building $47,338$175,086 Land $33,072 Building $142,014

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 RiskLow
lower than 99.1% of the US · lower than 94% of Illinois
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 578 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
AT&T
Fixed Wireless · DSL		100 / 20

May also be available: T-Mobile.

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