468 Gertrude St, Elgin, IL 60123 Property Records

Kane County property record for 468 Gertrude St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,173 sqft · built 1890
Lot Size	0.106 acres (4,620 sqft)
Owner	Company Name on Record
Last Sale	$175,000 (Jul 2025)
Tax Bill	$4,745 (2025)
Deeds & Mortgages	May 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-23-180-032`

Property Details

APN / Parcel Number

Primary APN	`06-23-180-032`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,173 sqft Living Area
Gross Area	1,887 sqft
Basement Area	714 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Construction Type	Frame
Lot Area	4,620 sqft (0.106 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Window A/C
Water Source	Commercial

Location & Zoning

Street Address	468 GERTRUDE ST
City	ELGIN
State	IL
Zip	60123-7434
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W H WILCOXS 3RD ADDN SOUTH 1/2 NORTH 1/2 LOT 2 BLOCK 2
Legal Subdivision	W H WILCOXS 3RD ADDN
Legal Block	2
Legal Lot Number	2
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4004
Census Tract	851600

Owner

Source: Kane County records, as of September 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	3402 BLACKHAWK TRL, SAINT CHARLES, IL 60174-8633
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2025 · Amount on Record
Deed Sale	Jul 7, 2025 · Amount on Record
Prior Sale	Jan 6, 2025 · Amount on Record
Deed Document Number	202525070
Prior Transfer Date	Dec 6, 1994
Prior Transfer Doc	0000032065
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	May 1, 2026
Property Address	468 GERTRUDE ST, ELGIN, IL 60123-7434
Document Number	0000017869
Instrument Date	Apr 29, 2026
Instrument	202617869
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	3402 BLACKHAWK TRL, ST CHARLES, IL 60174-8633

Mortgage

Document Number	0000017869,
Date	May 1, 2026
Instrument	202617869

Lender

Name	CONSTRUCTION LOAN SERVICES LLC

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

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	$4,745.00 (+20.31%)	$62,203 (+8.57%) Land $10,355 Building $51,848	$186,684 (+8.57%) Land $31,077 Building $155,606
2024	$3,944.00 (+10.41%)	$57,293 (+21.39%) Land $9,538 Building $47,755	$171,948 (+21.44%) Land $28,625 Building $143,322
2022	$3,572.00 (+5.03%) Homeowner's exemption	$47,196 (+6.96%) Land $7,857 Building $39,339	$141,588 (+6.96%) Land $23,571 Building $118,017
2021	$3,401.00 Homeowner's exemption	$44,125 Land $7,346 Building $36,779	$132,375 Land $22,038 Building $110,337

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	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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