514 Locust St, Elgin, IL 60123 Property Records

Kane County property record for 514 Locust St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,640 sqft · built 1910
Lot Size	0.318 acres (13,866 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Sep 2026)
Tax Bill	$5,764 (2025)
Deeds & Mortgages	Sep 2026 Sale
Flood Zone	Zone X (minimal risk)
APN	`06-14-409-035`

Property Details

APN / Parcel Number

Primary APN	`06-14-409-035`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,640 sqft Living Area
Gross Area	2,292 sqft
Basement Area	652 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	13,866 sqft (0.318 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	514 LOCUST ST
City	ELGIN
State	IL
Zip	60123-6364
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SAMUEL L KIMBALLS ADD TO ELGIN PT LOT 12 DESC IN DOC 2003K011531
Legal Subdivision	SAMUEL L KIMBALLS ADD
Legal Block	1
Legal Lot Number	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 September 11, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	514 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	Sep 1, 2026 · Amount on Record
Deed Sale	Sep 1, 2026 · Amount on Record
Prior Sale	May 11, 2009 · Amount on Record
Deed Document Number	202637834
Prior Transfer Date	Feb 6, 2009
Prior Transfer Doc	0000034950
Record Updated	Oct 29, 2026

September 2026: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	KANE IL
Recording Date	Sep 1, 2026
Property Address	514 LOCUST ST, ELGIN, IL 60123-6364
Document Number	0000037834
Instrument Date	Aug 13, 2026
Instrument	202637834
Transaction Type	Transfer
Record Updated	Sep 11, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$30,300.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 LOCUST ST, ELGIN, IL 60123-6364

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	$5,764.00 (+15.84%) Homeowner's exemption	$83,556 (+8.57%) Land $16,075 Building $67,481	$250,768 (+8.57%) Land $48,244 Building $202,524
2024		$76,960 (+21.39%) Land $14,806 Building $62,154	$230,972 (+21.44%) Land $44,436 Building $186,537
2022	$4,976.00 (+4.71%) Homeowner's exemption	$63,397 (+6.96%) Land $12,197 Building $51,200	$190,191 (+6.96%) Land $36,591 Building $153,600
2021	$4,752.00 Homeowner's exemption	$59,271 Land $11,403 Building $47,868	$177,813 Land $34,209 Building $143,604

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 637 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
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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