515 Adams St, Elgin, IL 60123 Property Records

Kane County property record for 515 Adams St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,206 sqft · built 1952
Lot Size	0.239 acres (10,429 sqft)
Owner	2 Individual Names on Record
Last Sale	$280,000 (Nov 2025)
Tax Bill	$5,629 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-23-260-008`

Property Details

APN / Parcel Number

Primary APN	`06-23-260-008`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	5 Stories
Building Area	1,206 sqft Living Area
Gross Area	2,010 sqft
Basement Area	804 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	10,429 sqft (0.239 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	515 ADAMS ST
City	ELGIN
State	IL
Zip	60123-7429
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GEORGE L KIRKS SUB LOT 8
Legal Subdivision	GEORGE L KIRKS SUB
Legal Block	4
Legal Lot Number	8
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4017
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	2 Individual Names on Record
Mailing Address	633 WELLINGTON AVE, ELGIN, IL 60120-7708
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2025 · Amount on Record
Deed Sale	Nov 13, 2025 · Amount on Record
Prior Sale	Oct 7, 2014 · Amount on Record
Deed Document Number	202545123
Prior Transfer Date	Aug 27, 2012
Prior Transfer Doc	0000057628
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Nov 13, 2025
Property Address	515 ADAMS ST, ELGIN, IL 60123-7429
Document Number	0000045123
Instrument Date	Nov 11, 2025
Instrument	2025K045123
Transaction Type	Transfer
Record Updated	Nov 26, 2025
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$280.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	515 ADAMS ST, ELGIN, IL 60123-7429

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	515 ADAMS ST, ELGIN, IL 60123-7429

Mortgage

Document Number	0000045124
Date	Nov 13, 2025
Instrument	2025K045124

Lender

Name	RESICENTRAL LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Fixed Rate
Rate	5.99%

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	$5,629.00 (+4.47%) Homeowner's exemption	$81,787 (+8.57%) Land $18,999 Building $62,788	$245,459 (+8.57%) Land $57,020 Building $188,439
2024	$5,388.00 (+10.86%) Homeowner's exemption	$75,331 (+21.39%) Land $17,499 Building $57,832	$226,083 (+21.44%) Land $52,518 Building $173,565
2022	$4,860.00 (+4.74%) Homeowner's exemption	$62,055 (+6.96%) Land $14,415 Building $47,640	$186,165 (+6.96%) Land $43,245 Building $142,920
2021	$4,640.00 Homeowner's exemption	$58,017 Land $13,477 Building $44,540	$174,051 Land $40,431 Building $133,620

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 578 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	100 / 20

May also be available: T-Mobile.

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