458 Locust St, Elgin, IL 60123 Property Records

Kane County property record for 458 Locust St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,596 sqft · built 1910
Lot Size	0.225 acres (9,800 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,082 (2025)
Deeds & Mortgages	Jan 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-14-409-023`

Property Details

APN / Parcel Number

Primary APN	`06-14-409-023`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,596 sqft Living Area
Gross Area	2,412 sqft
Basement Area	816 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Construction Type	Frame
Lot Area	9,800 sqft (0.225 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	458 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 SAMUEL J KIMBALLS ADDN LOT L
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	2 Individual Names on Record
Mailing Address	458 LOCUST ST, ELGIN, IL 60123-6313
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jun 3, 2003
Transfer Doc	0000124131
Record Updated	Sep 20, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	458 LOCUST ST, ELGIN, IL 60123-6313
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004718
Date	Jan 25, 2017
Instrument	2017K004718

Lender

Name	KANE COUNTY TEACHERS CU
Type	Credit Union
Address	ELGIN, IL 60123

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$5,082.00 (+13.39%) Homeowner's exemption Senior Citizen's exemption	$82,626 (+8.57%) Land $18,037 Building $64,589	$247,977 (+8.57%) Land $54,133 Building $193,845
2024		$76,104 (+21.39%) Land $16,613 Building $59,491	$228,403 (+21.44%) Land $49,859 Building $178,544
2022	$4,482.00 (+5.53%) Homeowner's exemption	$62,693 (+6.96%) Land $13,686 Building $49,007	$188,079 (+6.96%) Land $41,058 Building $147,021
2021	$4,247.00 Homeowner's exemption	$58,613 Land $12,795 Building $45,818	$175,839 Land $38,385 Building $137,454

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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