476 Locust St, Elgin, IL 60123 Property Records

Kane County property record for 476 Locust St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,121 sqft · built 1920
Lot Size	0.18 acres (7,838 sqft)
Owner	2 Individual Names on Record
Last Sale	$98,000 (May 1999)
Tax Bill	$3,948 (2025)
Deeds & Mortgages	Jun 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-14-409-018`

Property Details

APN / Parcel Number

Primary APN	`06-14-409-018`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	5 Stories
Building Area	1,121 sqft Living Area
Gross Area	1,943 sqft
Basement Area	822 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Construction Type	Frame
Lot Area	7,838 sqft (0.18 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	476 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 8
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	476 LOCUST ST, ELGIN, IL 60123-6313
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 1999 · Amount on Record
Deed Sale	May 17, 1999 · Amount on Record
Deed Document Number	199949296
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	476 LOCUST ST, ELGIN, IL 60123-6313
Transaction Type	Mortgage
Record Updated	Jun 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	476 LOCUST ST, ELGIN, IL 60123-6313

Mortgage

Document Number	0000017633
Date	Jun 1, 2023
Instrument	2023K017633

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 1, 2043

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	$3,948.00 (+12.7%) Homeowner's exemption Senior Citizen's exemption	$67,754 (+8.57%) Land $14,737 Building $53,017	$203,343 (+8.57%) Land $44,229 Building $159,115
2024		$62,406 (+21.39%) Land $13,574 Building $48,832	$187,293 (+21.44%) Land $40,738 Building $146,555
2022	$3,503.00 (+5.96%) Homeowner's exemption	$51,408 (+6.96%) Land $11,182 Building $40,226	$154,224 (+6.96%) Land $33,546 Building $120,678
2021	$3,306.00 Homeowner's exemption	$48,062 Land $10,454 Building $37,608	$144,186 Land $31,362 Building $112,824

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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