500 Locust St, Elgin, IL 60123 Property Records

Kane County property record for 500 Locust St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,326 sqft · built 1920
Lot Size	0.209 acres (9,120 sqft)
Owner	Individual Name on Record
Last Sale	$123,000 (Apr 2015)
Tax Bill	$5,278 (2025)
Deeds & Mortgages	Mar 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-14-409-017`

Property Details

APN / Parcel Number

Primary APN	`06-14-409-017`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,326 sqft Living Area
Gross Area	1,989 sqft
Basement Area	663 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Custom Design
Construction Type	Frame
Lot Area	9,120 sqft (0.209 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Water Source	Commercial

Location & Zoning

Street Address	500 LOCUST ST
City	ELGIN
State	IL
Zip	60123-6364
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUPERVISORS ASSESSMENT PLAT LOTS 1 THRU 12 INCLUSIVE OF S J KIMBALLS & EAST 48 FT LOT R
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	500 LOCUST ST, ELGIN, IL 60123-6364
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 7, 2015 · Amount on Record
Deed Sale	Apr 7, 2015 · Amount on Record
Prior Sale	Apr 1, 2014 · Amount on Record
Deed Document Number	201517269
Record Updated	Oct 29, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	500 LOCUST ST, ELGIN, IL 60123-6364
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013215
Date	Mar 14, 2017
Instrument	2017K013215

Lender

Name	INLANTA MORTGAGE INC
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2032

Interest

Rate	3.87%

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	$5,278.00 (+15.8%) Homeowner's exemption	$77,191 (+8.57%) Land $17,152 Building $60,039	$231,666 (+8.57%) Land $51,477 Building $180,189
2024		$71,098 (+21.39%) Land $15,798 Building $55,300	$213,379 (+21.44%) Land $47,413 Building $165,966
2022	$4,558.00 (+4.81%) Homeowner's exemption	$58,568 (+6.96%) Land $13,014 Building $45,554	$175,704 (+6.96%) Land $39,042 Building $136,662
2021	$4,349.00 Homeowner's exemption	$54,757 Land $12,167 Building $42,590	$164,271 Land $36,501 Building $127,770

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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