455 Oak St, Elgin, IL 60123 Property Records

Kane County property record for 455 Oak St, Elgin, IL 60123 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,620 sqft · built 1929
Lot Size	0.207 acres (9,018 sqft)
Owner	2 Individual Names on File
Last Sale	$315,000 (Apr 2025)
Tax Bill	$6,359 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-23-253-006`

Property Details

APN / Parcel Number

Primary APN	`06-23-253-006`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	5 Stories
Building Area	1,620 sqft Living Area
Gross Area	2,713 sqft
Basement Area	1,093 sqft

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Exterior Material	Brick
Lot Area	9,018 sqft (0.207 acres)
Lot Dimensions	175 ft deep x 52 ft wide

Location & Zoning

Street Address	455 OAK ST
City	ELGIN
State	IL
Zip	60123-7509
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	D E WOODS ADDN LOT 1 BLOCK 6
Legal Subdivision	D E WOODS ADDN
Legal Block	6
Legal Lot Number	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2014
Census Tract	851600

Owner

Source: Kane County records · APN 06-23-253-006

Assessment roll updated December 26, 2025 · Last verified July 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 File
Mailing Address	1560 N SANDBURG TER, 2109, CHICAGO, IL 60610-1343
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 15, 2025 · Amount on Record
Deed Sale	Apr 15, 2025 · Amount on Record
Prior Sale	Sep 10, 2021 · Amount on Record
Deed Document Number	202513208
Prior Transfer Date	Sep 04, 2013
Prior Transfer Doc	0000073657
Record Updated	Sep 20, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 10, 2021
Property Address	455 OAK ST, ELGIN, IL 60123-7509
Document Number	0000069012
Instrument Date	Aug 30, 2021
Instrument	2021K069012
Transaction Type	Transfer
Record Updated	Aug 05, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$205.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20103 CHATEAU BEND DR, 20103, KATY, TX 77450-5061

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	455 OAK ST, ELGIN, IL 60123-7509
Investor	Possibly a Property Investor

Mortgage

Document Number	0000069013
Date	Sep 10, 2021
Instrument	2021K069013

Lender

Name	LEADER ONE FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2051

Interest

Rate Type	Fixed Rate
Rate	3.37%

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated December 26, 2025 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,359.00 (+15.83%)
2024		$84,147 (+21.39%) Land $15,115 Building $69,032	$252,542 (+21.44%) Land $45,363 Building $207,179
2022	$5,490.00 (-5.03%) Homeowner's exemption	$69,317 (+6.96%) Land $12,451 Building $56,866	$207,951 (+6.96%) Land $37,353 Building $170,598
2021	$5,781.00	$64,807 Land $11,641 Building $53,166	$194,421 Land $34,923 Building $159,498

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170898516002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Claims	4 (1979–1982)
Most Recent Claim	Dec 1982, rainfall accumulation

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.