454 Locust St, Elgin, IL 60123 Property Records

Kane County property record for 454 Locust St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,649 sqft · built 1880
Lot Size	0.333 acres (14,520 sqft)
Owner	Individual Name on Record
Last Sale	$220,000 (Mar 2023)
Tax Bill	$6,282 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Mar 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-14-409-024`

Property Details

APN / Parcel Number

Primary APN	`06-14-409-024`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,649 sqft Living Area
Gross Area	2,667 sqft
Basement Area	1,018 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Exterior Material	Block
Construction Type	Frame
Lot Area	14,520 sqft (0.333 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	454 LOCUST ST
City	ELGIN
State	IL
Zip	60123-6313
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUPERVISORS ASSESSMENT PLAT LOTS 1 THRU 12 INCLUSIVE OF S J KIMBALLS ADDN LOT K
Legal Subdivision	SUPERVISORS ASSESSMENT PLAT
Legal Block	1
Legal Lot Number	1-12,
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1005
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	Individual Name on Record
Mailing Address	454 LOCUST ST, ELGIN, IL 60123-6313
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2025	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
Mar 7, 2023	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 7, 2023 · Amount on Record
Deed Sale	Mar 7, 2023 · Amount on Record
Prior Sale	Dec 14, 2011 · Amount on Record
Deed Document Number	20236874
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	454 LOCUST ST, ELGIN, IL 60123-6313
Transaction Type	Mortgage
Record Updated	Dec 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	454 LOCUST ST, ELGIN, IL 60123-6313

Mortgage

Document Number	0000048469
Date	Dec 5, 2025
Instrument	2025K048469

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

Interest

Rate	5.99%

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Mar 7, 2023
Property Address	454 LOCUST ST, ELGIN, IL 60123-6313
Document Number	0000006874
Instrument Date	Feb 21, 2023
Instrument	2023K006874
Transaction Type	Transfer
Record Updated	Mar 14, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
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
Address	5816 DURRILL ST, LAS CRUCES, NM 88003

Mortgage

Document Number	0000006875
Date	Mar 7, 2023
Instrument	2023K006875

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Interest

Rate	6.62%

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	$6,282.00 (+5.69%)	$90,353 (+8.57%) Land $24,021 Building $66,332	$271,167 (+8.57%) Land $72,092 Building $199,076
2024		$83,221 (+21.39%) Land $22,125 Building $61,096	$249,763 (+21.44%) Land $66,402 Building $183,361
2022	$5,944.00 (+3.95%)	$68,555 (+6.96%) Land $18,226 Building $50,329	$205,665 (+6.96%) Land $54,678 Building $150,987
2021	$5,718.00	$64,094 Land $17,040 Building $47,054	$192,282 Land $51,120 Building $141,162

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	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None 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 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 440 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Fox Valley Internet, Verizon.

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