518 Clark St, Elgin, IL 60123 Property Records

Kane County property record for 518 Clark St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,814 sqft · built 1940
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$340,000 (Jan 2026)
Tax Bill	$7,675 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Apr 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-11-353-004`

Property Details

APN / Parcel Number

Primary APN	`06-11-353-004`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	5 Stories
Building Area	1,814 sqft Living Area
Gross Area	3,023 sqft
Basement Area	1,209 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Brick
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	518 CLARK ST
City	ELGIN
State	IL
Zip	60123-2705
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STELFORDS ADDN LOT 3 BLOCK 1
Legal Subdivision	STELFORDS ADDN
Legal Block	1
Legal Lot Number	3
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2023
Census Tract	851000

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	1207 WINNERS CUP CT, BARTLETT, IL 60103-5892
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2026	Warranty Deed, Transfer · Conventional Mortgage STIFEL BANK & TRUST
Apr 19, 2024	Warranty Deed, Transfer · Conventional Mortgage LOWER LLC
Apr 15, 2019	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Jul 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 5, 2026 · Amount on Record
Deed Sale	Jan 5, 2026 · Amount on Record
Prior Sale	Apr 19, 2024 · Amount on Record
Deed Document Number	2026407
Record Updated	Oct 29, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 5, 2026
Property Address	518 CLARK ST, ELGIN, IL 60123-2705
Document Number	0000000407
Instrument Date	Dec 19, 2025
Instrument	2026K000407
Transaction Type	Transfer
Record Updated	Jan 14, 2026
Title Company	UNKNOWN, CT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$340.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	518 CLARK ST, ELGIN, IL 60123-2705

Mortgage

Document Number	0000000408
Date	Jan 5, 2026
Instrument	2026K000408

Lender

Name	STIFEL BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 19, 2024
Property Address	518 CLARK ST, ELGIN, IL 60123-2705
Document Number	0000012966
Instrument Date	Apr 4, 2024
Instrument	2024K012966
Transaction Type	Transfer
Record Updated	Apr 26, 2024
Title Company	NOT AVAILABLE, CT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$337.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 CLARK ST, ELGIN, IL 60123-2705

Mortgage

Document Number	0000012967
Date	Apr 19, 2024
Instrument	2024K012967

Lender

Name	LOWER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

Interest

Rate Type	Fixed Rate
Rate	7.49%

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	518 CLARK ST, ELGIN, IL 60123-2705
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014488
Date	Apr 15, 2019
Instrument	2019K014488

Lender

Name	PNC BANK NA
Type	Bank
Address	CLEVELAND, OH 44101

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	518 CLARK ST, ELGIN, IL 60123-2705
Document Number	0000038997
Instrument Date	Jul 10, 2020
Transaction Type	Mortgage
Record Updated	Aug 12, 2020
Title Company	RAVENSWOOD TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 CLARK ST ELGIN IL 601232705, ELGIN, IL 60123-2705

Mortgage

Document Number	0000038997
Date	Jul 20, 2020
Instrument	38997

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 19, 2035

Interest

Rate Type	Fixed Rate
Rate	2.87%

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	$7,675.00 (+3.51%)	$100,606 (+8.57%) Land $16,394 Building $84,212	$301,939 (+8.57%) Land $49,202 Building $252,737
2024	$7,415.00 (+23.21%)	$92,665 (+21.39%) Land $15,100 Building $77,565	$278,106 (+21.44%) Land $45,318 Building $232,788
2022	$6,018.00 (+4.57%) Homeowner's exemption	$76,334 (+6.96%) Land $12,439 Building $63,895	$229,002 (+6.96%) Land $37,317 Building $191,685
2021	$5,755.00 Homeowner's exemption	$71,367 Land $11,630 Building $59,737	$214,101 Land $34,890 Building $179,211

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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