517 Clark St, Elgin, IL 60123 Property Records

Kane County property record for 517 Clark St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,260 sqft · built 1918
Lot Size	0.151 acres (6,582 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,000 (Aug 2023)
Tax Bill	$5,020 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-11-354-018`

Property Details

APN / Parcel Number

Primary APN	`06-11-354-018`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	5 Stories
Building Area	1,260 sqft Living Area
Gross Area	2,120 sqft
Basement Area	860 sqft

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
Construction Type	Frame
Lot Area	6,582 sqft (0.151 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	517 CLARK ST
City	ELGIN
State	IL
Zip	60123-2704
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STELFORDS ADDN LOTS 7 & 8 EXCEPT THE NORTH 100 FT THEREOF IN BLOCK 2
Legal Subdivision	STELFORDS ADDN
Legal Block	2
Legal Lot Number	7,8
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2024
Census Tract	851000

Owner

Source: Kane County records, as of August 13, 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	411 SINGAPORE LN, CARPENTERSVILLE, IL 60110-1726
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2023 · Amount on Record
Deed Sale	Aug 16, 2023 · Amount on Record
Prior Sale	Oct 4, 1994 · Amount on Record
Deed Document Number	202328076
Record Updated	Sep 20, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 16, 2023
Property Address	517 CLARK ST, ELGIN, IL 60123-2704
Document Number	0000028076
Instrument Date	Jul 21, 2023
Instrument	2023K028076
Transaction Type	Transfer
Record Updated	Aug 29, 2023
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$265.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	517 CLARK ST, ELGIN, IL 60123-2704

Mortgage

Document Number	0000028077
Date	Aug 16, 2023
Instrument	2023K028077

Lender

Name	BMO HARRIS BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2053

Mortgage

Document Number	0000028078
Date	Aug 16, 2023
Instrument	2023K028078

Lender

Name	ILLINOIS HOUSING DEVELOPMENT AUTHORITY
Type	Government Agency
Address	CHICAGO, IL 60601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 1, 2033

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	$5,020.00 (+15.8%)	$73,804 (+8.57%) Land $16,178 Building $57,626	$221,501 (+8.57%) Land $48,553 Building $172,947
2024		$67,978 (+21.39%) Land $14,901 Building $53,077	$204,016 (+21.44%) Land $44,721 Building $159,295
2022	$4,335.00 (+4.84%) Homeowner's exemption	$55,998 (+6.96%) Land $12,275 Building $43,723	$167,994 (+6.96%) Land $36,825 Building $131,169
2021	$4,135.00 Homeowner's exemption	$52,354 Land $11,476 Building $40,878	$157,062 Land $34,428 Building $122,634

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2014 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 382 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 DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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