468 Locust St, Elgin, IL 60123 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,040 sqft · built 1910
Lot Size	0.23 acres (10,000 sqft)
Owner	Company Name on File
Last Sale	$242,000 (Jun 2026)
Tax Bill	$6,905 (2025)
Deeds & Mortgages	Jun 2026 Sale & Construction Loan Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-14-409-020`

Property Details

APN / Parcel Number

Primary APN	`06-14-409-020`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,040 sqft Living Area
Gross Area	3,060 sqft
Basement Area	1,020 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Construction Type	Frame
Lot Area	10,000 sqft (0.23 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	468 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 TO 12 INCLUSIVE OF S J KIMBALLS ADDN LOT 7
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

468 Locust St is owned by a company that bought it in June 2026.

Source: Kane County records, as of October 15, 2026

Owner of Record	Company Name on File
Mailing Address	21W164 GLENDALE TER, MEDINAH, IL 60157
Owner Type	Company
Vesting	Limited Liability Partnership

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
Jun 22, 2026	Warranty Deed, Transfer · Construction Mortgage LOAN FUNDER LLC
Aug 9, 2021	Warranty Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 22, 2026 · Amount on File
Deed Sale	Jun 22, 2026 · Amount on File
Prior Sale	Aug 9, 2021 · Amount on File
Deed Document Number	202625897
Prior Transfer Date	Aug 20, 2015
Prior Transfer Doc	0000050885
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 22, 2026
Property Address	468 LOCUST ST, ELGIN, IL 60123-6313
Document Number	0000025897
Instrument Date	Jun 9, 2026
Instrument	202625897
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$36,663.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership

Mortgage

Document Number	0000025898,
Date	Jun 22, 2026
Instrument	202625898

Lender

Name	LOAN FUNDER LLC

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jun 12, 2027

Interest

Max Rate	-1%

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 9, 2021
Property Address	468 LOCUST ST, ELGIN, IL 60123-6313
Document Number	0000060501
Instrument Date	Jul 1, 2021
Instrument	2021K060501
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	PROPER TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$222.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14N361 IL ROUTE 25, 14N361, DUNDEE, IL 60118-3218

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	468 LOCUST ST, ELGIN, IL 60123-6313

Mortgage

Document Number	0000060502
Date	Aug 9, 2021
Instrument	2021K060502

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.99%

Tax Assessment & Valuation

The 2025 property tax bill for 468 Locust St was $6,905.

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	$6,905.00 Homeowner's exemption	$98,517 (+8.57%) Land $18,037 Building $80,480	$295,669 (+8.57%) Land $54,133 Building $241,537
2024		$90,740 Land $16,613 Building $74,127	$272,329 Land $49,859 Building $222,470
2022	$5,961.00 (+4.6%) Homeowner's exemption	$74,749 (+6.96%) Land $13,686 Building $61,063	$224,247 (+6.96%) Land $41,058 Building $183,189
2021	$5,699.00 Homeowner's exemption	$69,885 Land $12,795 Building $57,090	$209,655 Land $38,385 Building $171,270

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 468 Locust 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

Wildfire risk around 468 Locust St is low, with less than a 0.01% annual chance of 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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