445 Oak St, Elgin, IL 60123 Property Records

Kane County property record for 445 Oak St, Elgin, IL 60123 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	2 Baths
Year Built	Built 1920
Square Footage	1,679 sqft Living Area
Lot Size	9,018 sqft (0.207 acres)
Occupancy	Owner Occupied
Last Sale	$196,000 (2018)
Tax Bill	$5,848.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`06-23-253-009`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,679 sqft Living Area
Gross Area	2,798 sqft Gross Area
Basement Area	1,119 sqft Basement
Stories	5 Stories

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Brick Exterior
Lot Area	9,018 sqft (0.207 acres)
Depth X Width	175 ft x 52 ft Depth x Width
Parking Spaces	1 Parking Spaces
Garage Type	Detached Garage

Utilities and HVAC

Cooling System	HVAC Cooling
Sewage	Municipal Sewage
Water Source	Commercial Water Source

Location & Zoning

Street Address	445 OAK ST
City	ELGIN
State	IL
Zip	60123-7509
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	D E WOODS ADDN LOT 4 BLOCK 6
Legal Subdivision	D E WOODS ADDN
Legal Block	6
Legal Lot Number	4
Jurisdiction	KANE IL
Minor Civil Division	ELGIN
Census Blockgroup	2
Census Block	2014
Census Tract	851600

Owner

Source: Kane County records · APN 06-23-253-009

Assessment roll updated August 25, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	445 OAK ST, ELGIN, IL 60123-7509
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 05, 2018 · Amount on Record
Deed Sale	Dec 05, 2018 · Amount on Record
Prior Sale	Apr 27, 2011 · Amount on Record
Deed Doc Number	201858569
Prior Transfer Date	Jul 26, 2006
Prior Transfer Doc	0000088822
Record Refreshed	Sep 20, 2026

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 05, 2018
Property Address	445 OAK ST, ELGIN, IL 60123-7509
Document Number	0000058569
Instrument Date	Dec 03, 2018
Instrument	2018K058569
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$196.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	445 OAK ST, 445, ELGIN, IL 60123-7509

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 OAK ST, ELGIN, IL 60123-7509

Mortgage

Document Number	0000058570
Date	Dec 05, 2018
Instrument	2018K058570

Lender

Name	KELLER MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2049

Interest

Rate Type	Fixed Rate
Rate	5%

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,848.00 (+15.82%) Homeowner's exemption
2024		$77,976 (+21.39%) Land $15,115 Building $62,861	$234,022 (+21.44%) Land $45,363 Building $188,658
2022	$5,049.00 (+4.71%) Homeowner's exemption	$64,234 (+6.96%) Land $12,451 Building $51,783	$192,702 (+6.96%) Land $37,353 Building $155,349
2021	$4,822.00 Homeowner's exemption	$60,054 Land $11,641 Building $48,413	$180,162 Land $34,923 Building $145,239