466 Locust St, Elgin, IL 60123 Property Records

Kane County property record for 466 Locust St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,815 sqft · built 1900
Lot Size	0.263 acres (11,450 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (Jan 2024)
Tax Bill	$5,956 (2025)
Deeds & Mortgages	Jan 2026 Second Mortgage Jan 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-14-409-021`

Property Details

APN / Parcel Number

Primary APN	`06-14-409-021`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	5 Stories
Building Area	1,815 sqft Living Area
Gross Area	3,048 sqft
Basement Area	1,233 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	11,450 sqft (0.263 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	466 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 N
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	466 LOCUST ST, ELGIN, IL 60123-6313
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GREENSTATE CU
Jan 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage GREENSTATE CU
Jan 16, 2024	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 16, 2024 · Amount on Record
Deed Sale	Jan 16, 2024 · Amount on Record
Prior Sale	Sep 11, 1998 · Amount on Record
Deed Document Number	20241532
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	466 LOCUST ST, ELGIN, IL 60123-6313
Transaction Type	Mortgage
Record Updated	Jan 14, 2026
Title Company	CARRINGTON TITLE PARTNERS LLC, CARRINGTON TTL PARTNERS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000418
Date	Jan 5, 2026
Instrument	2026K000418

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 1, 2036

Interest

Rate Type	Fixed Rate
Rate	7.62%

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	466 LOCUST ST, ELGIN, IL 60123-6313
Transaction Type	Mortgage
Record Updated	Jan 14, 2026
Title Company	CARRINGTON TITLE PARTNERS LLC, CARRINGTON TTL PARTNERS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000417
Date	Jan 5, 2026
Instrument	2026K000417

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2033
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	8.87%
Index	1-Year CMT
Max Rate	12.8%

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 16, 2024
Property Address	466 LOCUST ST, ELGIN, IL 60123-6313
Document Number	0000001532
Instrument Date	Jan 11, 2024
Instrument	2024K001532
Transaction Type	Transfer
Record Updated	Jan 23, 2024
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$250.00
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	466 LOCUST ST, ELGIN, IL 60123-6313

Mortgage

Document Number	0000001533
Date	Jan 16, 2024
Instrument	2024K001533

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 5, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Feb 5, 2031
Change Frequency	Annually
Min Rate At Change	5.75%
Max Rate At Change	9.75%
Index	1-Year CMT
Max Rate	13.7%

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	$5,956.00 (+15.81%)	$86,080 (+8.57%) Land $20,136 Building $65,944	$258,343 (+8.57%) Land $60,432 Building $197,911
2024		$79,286 (+21.39%) Land $18,547 Building $60,739	$237,953 (+21.44%) Land $55,663 Building $182,290
2022	$5,143.00 (+4.7%) Homeowner's exemption	$65,314 (+6.96%) Land $15,279 Building $50,035	$195,942 (+6.96%) Land $45,837 Building $150,105
2021	$4,912.00 Homeowner's exemption	$61,064 Land $14,285 Building $46,779	$183,192 Land $42,855 Building $140,337

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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