449 Morgan St, Elgin, IL 60123 Property Records

Kane County property record for 449 Morgan St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,511 sqft · built 1929
Lot Size	0.169 acres (7,375 sqft)
Owner	2 Company Names on Record
Tax Bill	$4,630 (2025)
Deeds & Mortgages	Jun 2026 Transfer Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-23-259-003`

Property Details

APN / Parcel Number

Primary APN	`06-23-259-003`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	5 Stories
Building Area	1,511 sqft Living Area
Gross Area	2,518 sqft
Basement Area	1,007 sqft

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Construction Type	Frame
Lot Area	7,375 sqft (0.169 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	449 MORGAN ST
City	ELGIN
State	IL
Zip	60123-7537
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MORGAN PARK ADDN LOT 12 BLOCK 4
Legal Subdivision	MORGAN PARK ADDN
Legal Block	4
Legal Lot Number	12
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4012
Census Tract	851600

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on Record
Mailing Address	449 MORGAN ST, ELGIN, IL 60123-7537
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Jul 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Dec 22, 2010
Transfer Doc	0000008910
Record Updated	Sep 20, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Jun 24, 2026
Property Address	449 MORGAN ST, ELGIN, IL 60123-7537
Document Number	0000026364
Instrument Date	Jun 16, 2026
Instrument	202626364
Transaction Type	Transfer
Record Updated	Aug 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	449 MORGAN ST, ELGIN, IL 60123-7537

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	449 MORGAN ST, ELGIN, IL 60123-7537
Transaction Type	Mortgage
Record Updated	Jul 29, 2021
Title Company	AMROCK INC, AMROCK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000054949
Date	Jul 19, 2021
Instrument	2021K054949

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2036

Tax Assessment & Valuation

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	$4,630.00 (+9.64%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$78,690 (+8.57%) Land $15,540 Building $63,150	$236,164 (+8.57%) Land $46,639 Building $189,526
2024		$72,478 (+21.39%) Land $14,313 Building $58,165	$217,521 (+21.44%) Land $42,956 Building $174,565
2022	$4,223.00 (+5.63%) Homeowner's exemption	$59,706 (+6.96%) Land $11,791 Building $47,915	$179,118 (+6.96%) Land $35,373 Building $143,745
2021	$3,998.00 Homeowner's exemption	$55,821 Land $11,024 Building $44,797	$167,463 Land $33,072 Building $134,391

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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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