454 Morgan St, Elgin, IL 60123 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,600 sqft · built 1920
Lot Size	0.225 acres (9,801 sqft)
Owner	Individual Name on File
Last Sale	$209,000 (Oct 2020)
Tax Bill	$6,187 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-23-256-012`

Property Details

APN / Parcel Number

Primary APN	`06-23-256-012`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,600 sqft Living Area
Gross Area	2,800 sqft
1st Floor Area	1,600 sqft
Basement Area	1,200 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Construction Type	Frame
Lot Area	9,801 sqft (0.225 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	454 MORGAN ST
City	ELGIN
State	IL
Zip	60123-7538
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WALTER P HEMMENS SUB OF LOTS 12, 13, 14, & 15 J P MORGANS 2ND ADDN WEST 1/2 OF LOT 4 & ALL OF LOT 5
Legal Subdivision	J P MORGANS 2ND ADD
Legal Block	4
Legal Lot Number	4
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4001
Census Tract	851600

Owner

454 Morgan St is owned and occupied by an individual who bought it in October 2020.

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

Owner of Record	Individual Name on File
Mailing Address	454 MORGAN ST, ELGIN, IL 60123-7538
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 30, 2020	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 24, 2017	Warranty Deed, Transfer · FHA Mortgage PEOPLES HM EQUITY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2020 · Amount on File
Deed Sale	Oct 30, 2020 · Amount on File
Prior Sale	Oct 24, 2017 · Amount on File
Deed Document Number	202065726
Record Updated	Oct 29, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 30, 2020
Property Address	454 MORGAN ST, ELGIN, IL 60123-7538
Document Number	0000065726
Instrument Date	Sep 10, 2020
Instrument	2020K065726
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$209.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	454 MORGAN ST, ELGIN, IL 60123-7538

Mortgage

Document Number	0000065727
Date	Oct 30, 2020
Instrument	2020K065727

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.87%

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 24, 2017
Property Address	454 MORGAN ST, ELGIN, IL 60123-7538
Document Number	0000055835
Instrument Date	Sep 22, 2017
Instrument	55835
Transaction Type	Transfer
Record Updated	Nov 23, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$250.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2233 S HIGHLAND AVE #1609 LOMBARD IL 601485332, 1609, LOMBARD, IL 60148-5332

Mortgage

Document Number	55836
Date	Oct 24, 2017
Instrument	55836

Lender

Name	PEOPLES HM EQUITY
Type	Funding / Finance Company
Address	BRENTWOOD, TN 37027

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 23, 2047

Interest

Rate Type	Fixed Rate
Rate	4.12%

Tax Assessment & Valuation

The 2025 property tax bill for 454 Morgan St was $6,187 with a homeowner's exemption.

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	$6,187.00 Homeowner's exemption	$89,103 (+8.57%) Land $19,861 Building $69,242	$267,416 (+8.57%) Land $59,607 Building $207,809
2024		$82,069 Land $18,293 Building $63,776	$246,306 Land $54,901 Building $191,405
2022	$5,341.00 (+4.66%) Homeowner's exemption	$67,606 (+6.96%) Land $15,069 Building $52,537	$202,818 (+6.96%) Land $45,207 Building $157,611
2021	$5,103.00 Homeowner's exemption	$63,206 Land $14,088 Building $49,118	$189,618 Land $42,264 Building $147,354

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 454 Morgan 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 454 Morgan 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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