515 Morgan St, Elgin, IL 60123 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,459 sqft · built 1938
Lot Size	0.253 acres (11,025 sqft)
Owner	Individual Name on File
Last Sale	$230,000 (Aug 2023)
Tax Bill	$6,286 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Apr 2023 Foreclosure + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-23-258-007`

Property Details

APN / Parcel Number

Primary APN	`06-23-258-007`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,459 sqft Living Area
Gross Area	2,615 sqft
1st Floor Area	1,459 sqft
Basement Area	1,156 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Architectural Style	Cape Cod
Construction Type	Frame
Lot Area	11,025 sqft (0.253 acres)
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	515 MORGAN ST
City	ELGIN
State	IL
Zip	60123-7539
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	B J WETMORES ADDN EAST 1/2 LOT 5 & ALL LOT 4
Legal Subdivision	B J WETMORES ADDN
Legal Block	4
Legal Lot Number	5,4
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4011
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 File
Mailing Address	515 MORGAN ST, ELGIN, IL 60123-7539
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2023	Limited Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Apr 11, 2023	Sheriff's Deed, Foreclosure ATTORNEY ONLY, ATTORNEY
Aug 15, 2018	Trustee's Deed, Foreclosure · Conventional Mortgage PNC BANK NA
Jan 12, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 25, 2023 · Amount on File
Deed Sale	Aug 25, 2023 · Amount on File
Prior Sale	Aug 15, 2018 · Amount on File
Deed Document Number	202329405
Prior Transfer Date	Dec 18, 2017
Prior Transfer Doc	0000002201
Record Updated	Oct 29, 2026

August 2023: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 25, 2023
Property Address	515 MORGAN ST, ELGIN, IL 60123-7539
Document Number	0000029405
Instrument Date	Aug 3, 2023
Instrument	2023K029405
Transaction Type	Transfer
Record Updated	Sep 1, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$230.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3232 NEWMARK DR, MIAMISBURG, OH 45342-5421

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 MORGAN ST, ELGIN, IL 60123-7539

Mortgage

Document Number	0000029406
Date	Aug 25, 2023
Instrument	2023K029406

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Fixed Rate
Rate	7.12%

April 2023: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	KANE IL
Recording Date	Apr 11, 2023
Property Address	515 MORGAN ST, ELGIN, IL 60123-7539
Document Number	0000011298
Instrument Date	Mar 21, 2023
Instrument	2023K011298
Transaction Type	Foreclosure
Record Updated	Apr 19, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1820, DAYTON, OH 45401-1820

August 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	KANE IL
Recording Date	Aug 15, 2018
Property Address	515 MORGAN ST, ELGIN, IL 60123-7539
Document Number	0000039742
Instrument Date	Jul 26, 2018
Instrument	2018K039742
Transaction Type	Foreclosure
Record Updated	Jul 27, 2021
Title Company	ATTORNEYS TITLE GUARANTY FUN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$170.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 MORGAN ST, ELGIN, IL 60123-7539

Mortgage

Document Number	0000039743
Date	Aug 15, 2018
Instrument	2018K039743

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2048

Interest

Rate	5.37%

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Jan 12, 2018
Property Address	515 MORGAN ST, ELGIN, IL 60123-7539
Document Number	0000002201
Instrument Date	Dec 18, 2017
Instrument	2201
Transaction Type	Transfer
Record Updated	Jan 23, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	515 MORGAN ST ELGIN IL 601237539, ELGIN, IL 60123-7539

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	$6,286.00 (+15.83%)	$90,403 (+8.57%) Land $20,722 Building $69,681	$271,318 (+8.57%) Land $62,191 Building $209,127
2024		$83,267 (+21.39%) Land $19,086 Building $64,181	$249,901 (+21.44%) Land $57,281 Building $192,620
2022	$5,427.00 (+4.65%) Homeowner's exemption	$68,593 (+6.96%) Land $15,723 Building $52,870	$205,779 (+6.96%) Land $47,169 Building $158,610
2021	$5,186.00 Homeowner's exemption	$64,130 Land $14,700 Building $49,430	$192,390 Land $44,100 Building $148,290

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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