475 Gale St, Elgin, IL 60123 Property Records

Kane County property record for 475 Gale St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,184 sqft · built 1979
Lot Size	0.154 acres (6,720 sqft)
Owner	Individual Name on File
Tax Bill	$2,290 (2025)
Deeds & Mortgages	Jul 2026 Transfer May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-21-403-013`

Property Details

APN / Parcel Number

Primary APN	`06-21-403-013`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,184 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Split Level
Construction Type	Frame
Lot Area	6,720 sqft (0.154 acres)
Lot Dimensions	112 ft deep x 60 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	475 GALE ST
City	ELGIN
State	IL
Zip	60123-6955
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COLLEGE PARK UNIT 4 LOT 131
Legal Subdivision	COLLEGE PARK
Legal Block	2
Legal Lot Number	131
Legal Unit	4
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2032
Census Tract	851908

Owner

475 Gale St is owned and occupied by an individual who acquired it in June 2015.

Source: Kane County records, as of August 6, 2026

Owner of Record	Individual Name on File
Mailing Address	475 GALE ST, ELGIN, IL 60123-6955
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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
Jul 29, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
May 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
May 20, 2019	Deed of Trust, Mortgage · Conventional Mortgage COUNTY/KANE

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jun 5, 2015
Transfer Doc	0000030416
Record Updated	Sep 20, 2026

July 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	KANE IL
Recording Date	Jul 29, 2026
Property Address	475 GALE ST, ELGIN, IL 60123-6955
Document Number	0000032353
Instrument Date	Jul 29, 2026
Instrument	202632353
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17N955 MARY LN, GILBERTS, IL 60136-9791

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	475 GALE ST, ELGIN, IL 60123-6955
Transaction Type	Mortgage
Record Updated	May 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036329
Date	May 10, 2021
Instrument	2021K036329

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Apr 1, 2051

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	475 GALE ST, ELGIN, IL 60123-6955
Document Number	0000038119
Instrument Date	May 20, 2019
Transaction Type	Mortgage
Record Updated	Sep 3, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	475 GALE ST ELGIN IL 601236955, ELGIN, IL 60123-6955

Mortgage

Document Number	0000038119
Date	Aug 21, 2019
Instrument	38119

Lender

Name	COUNTY/KANE
Address	719 S BATAVIA AVE, GENEVA, IL 60134-3077

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 475 Gale St was $2,290 with exemptions applied.

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	$2,290.00 Homeowner's exemption Senior Citizen's exemption	$100,792 (+8.57%) Land $23,194 Building $77,598	$302,497 (+8.57%) Land $69,610 Building $232,887
2024		$92,836 Land $21,363 Building $71,473	$278,619 Land $64,115 Building $214,505
2022	$3,036.00 (-2.82%) Homeowner's exemption	$76,475 (+6.96%) Land $17,598 Building $58,877	$229,425 (+6.96%) Land $52,794 Building $176,631
2021	$3,124.00 Homeowner's exemption	$71,499 Land $16,453 Building $55,046	$214,497 Land $49,359 Building $165,138

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

Flood

FEMA maps place 475 Gale St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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.

Wildfire

Wildfire risk around 475 Gale 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 166 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 · Fiber in parts of the area	100 / 20

May also be available: Fox Valley Internet, T-Mobile.

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