453 Orchard St, Elgin, IL 60123 Property Records

Kane County property record for 453 Orchard St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,560 sqft · built 1903
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$325,000 (May 2026)
Tax Bill	$6,377 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Jul 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-23-255-001`

Property Details

APN / Parcel Number

Primary APN	`06-23-255-001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,560 sqft Living Area
Gross Area	2,340 sqft
Basement Area	780 sqft

Exterior

Year Built	Built 1903
Effective Year Built	Effective 1903
Exterior Material	Brick
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	453 ORCHARD ST
City	ELGIN
State	IL
Zip	60123-7576
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAWKINS & PECKS 3RD ADDN LOT 7 BLOCK 1
Legal Subdivision	HAWKINS&PECKS 3RD ADDN
Legal Block	1
Legal Lot Number	7
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4002
Census Tract	851600

Owner

453 Orchard St is owned and occupied by an individual who bought it in May 2026.

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

Owner of Record	Individual Name on File
Mailing Address	453 ORCHARD ST, ELGIN, IL 60123-7576
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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

Deeds, Mortgages & Sale History

Date	Document
May 5, 2026	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE COMPANY
Jul 13, 2023	Intrafamily Transfer, Transfer
Nov 9, 2020	Warranty Deed, Transfer · Conventional Mortgage INLANTA MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2026 · Amount on File
Deed Sale	May 5, 2026 · Amount on File
Prior Sale	Nov 9, 2020 · Amount on File
Deed Document Number	202618361
Prior Transfer Date	Jun 26, 2023
Prior Transfer Doc	0000023489
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 5, 2026
Property Address	453 ORCHARD ST, ELGIN, IL 60123-7576
Document Number	0000018361
Instrument Date	Apr 30, 2026
Instrument	2026.18361
Transaction Type	Transfer
Record Updated	May 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$49,237.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	453 ORCHARD ST, ELGIN, IL 60123-7576
Investor	Possibly a Property Investor

Mortgage

Document Number	0000018362,
Date	May 5, 2026
Instrument	2026..18362

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.22%
Max Rate	-1%

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Jul 13, 2023
Property Address	453 ORCHARD ST, ELGIN, IL 60123-7576
Document Number	0000023489
Instrument Date	Jun 26, 2023
Instrument	2023K023489
Transaction Type	Transfer
Record Updated	Jul 25, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Nov 9, 2020
Property Address	453 ORCHARD ST, ELGIN, IL 60123-7576
Document Number	0000068429
Instrument Date	Sep 23, 2020
Instrument	2020K068429
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$220.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	453 ORCHARD ST, ELGIN, IL 60123-7576

Mortgage

Document Number	0000068430
Date	Nov 9, 2020
Instrument	2020K068430

Lender

Name	INLANTA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Oct 1, 2050

Interest

Rate	3.12%

Tax Assessment & Valuation

The 2025 property tax bill for 453 Orchard St was $6,377, up 4.4% from the year before.

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	$6,377.00 (+4.35%)	$91,594 (+8.57%) Land $18,999 Building $72,595	$274,892 (+8.57%) Land $57,020 Building $217,872
2024	$6,111.00	$84,364 Land $17,499 Building $66,865	$253,193 Land $52,518 Building $200,675
2022	$5,505.00 (+4.64%) Homeowner's exemption	$69,496 (+6.96%) Land $14,415 Building $55,081	$208,488 (+6.96%) Land $43,245 Building $165,243
2021	$5,261.00 Homeowner's exemption	$64,974 Land $13,477 Building $51,497	$194,922 Land $40,431 Building $154,491

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

FEMA maps place 453 Orchard 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.

Wildfire

The area around 453 Orchard 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.

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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