451 Morgan St, Elgin, IL 60123 Property Records

Kane County property record for 451 Morgan St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,456 sqft · built 1923
Lot Size	0.169 acres (7,375 sqft)
Owner	2 Individual Names on Record
Last Sale	$238,000 (Sep 2021)
Tax Bill	$5,735 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-23-259-002`

Property Details

APN / Parcel Number

Primary APN	`06-23-259-002`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,456 sqft Living Area
Gross Area	2,548 sqft
1st Floor Area	1,456 sqft
Basement Area	1,092 sqft

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Construction Type	Frame
Lot Area	7,375 sqft (0.169 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	451 MORGAN ST
City	ELGIN
State	IL
Zip	60123-7537
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MORGAN PARK ADDN LOT 13 BLOCK 4
Legal Subdivision	MORGAN PARK ADDN
Legal Block	4
Legal Lot Number	13
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	451 MORGAN ST, ELGIN, IL 60123-7537
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2021 · Amount on Record
Deed Sale	Sep 17, 2021 · Amount on Record
Deed Document Number	202170778
Prior Transfer Date	Jul 15, 2013
Prior Transfer Doc	0000055656
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 17, 2021
Property Address	451 MORGAN ST, ELGIN, IL 60123-7537
Document Number	0000070778
Instrument Date	Sep 17, 2021
Instrument	2021K070778
Transaction Type	Transfer
Record Updated	Sep 29, 2021
Title Company	GREATER ILLINOIS TITLE COMPANY, GREATER ILLINOIS TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$238.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	451 MORGAN ST, ELGIN, IL 60123-7537

Mortgage

Document Number	0000070779
Date	Sep 17, 2021
Instrument	2021K070779

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jul 1, 2051

Interest

Rate	4%

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	$5,735.00 (+15.84%) Homeowner's exemption	$83,174 (+8.57%) Land $15,540 Building $67,634	$249,622 (+8.57%) Land $46,639 Building $202,983
2024		$76,608 (+21.39%) Land $14,313 Building $62,295	$229,916 (+21.44%) Land $42,956 Building $186,960
2022	$4,951.00 (+4.72%) Homeowner's exemption	$63,108 (+6.96%) Land $11,791 Building $51,317	$189,324 (+6.96%) Land $35,373 Building $153,951
2021	$4,728.00 Homeowner's exemption	$59,002 Land $11,024 Building $47,978	$177,006 Land $33,072 Building $143,934

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 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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