52 S Union St, Elgin, IL 60123 Property Records

Kane County property record for 52 S Union St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,041 sqft · built 1900
Lot Size	0.243 acres (10,569 sqft)
Owner	Individual Name on Record
Last Sale	$177,000 (Sep 2023)
Tax Bill	$4,906 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Sep 2023 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-14-330-023`

Property Details

APN / Parcel Number

Primary APN	`06-14-330-023`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	5 Stories
Building Area	1,041 sqft Living Area
Gross Area	1,852 sqft
Basement Area	811 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	10,569 sqft (0.243 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	52 S UNION ST
City	ELGIN
State	IL
Zip	60123-6224
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	J C & W H KIMBALLS 2ND ADDN SOUTH 1/2 OF LOT 5 BLOCK 2
Legal Subdivision	J C&W H KIMBALLS 2ND ADDN
Legal Block	2
Legal Lot Number	5
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2007
Census Tract	851101

Owner

Source: Kane County records, as of August 17, 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	52 S UNION ST, ELGIN, IL 60123-6224
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2023	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU
Sep 26, 2023	Intrafamily Transfer, Transfer · Stand-Alone Second Mortgage GREENSTATE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 26, 2023 · Amount on Record
Deed Sale	Sep 26, 2023 · Amount on Record
Prior Sale	Oct 12, 1999 · Amount on Record
Deed Document Number	202333520
Prior Transfer Date	Sep 5, 1997
Prior Transfer Doc	0000090465
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 26, 2023
Property Address	52 S UNION ST, ELGIN, IL 60123-6224
Document Number	0000033520
Instrument Date	Sep 22, 2023
Instrument	2023K033520
Transaction Type	Transfer
Record Updated	Oct 5, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$177.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	52 S UNION ST, ELGIN, IL 60123-6224

Mortgage

Document Number	0000033521
Date	Sep 26, 2023
Instrument	2023K033521

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 5, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 5, 2030
Change Frequency	Annually
Min Rate At Change	5.62%
Max Rate At Change	9.62%
Index	1-Year CMT
Max Rate	13.6%

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Sep 26, 2023
Property Address	52 S UNION ST, ELGIN, IL 60123-6224
Document Number	0000033519
Instrument Date	Nov 15, 2022
Instrument	2023K033519
Transaction Type	Transfer
Record Updated	Oct 5, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	52 S UNION ST, ELGIN, IL 60123-6224
Investor	Possibly a Property Investor

Mortgage

Document Number	0000033522
Date	Sep 26, 2023
Instrument	2023K033522

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Oct 5, 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	$4,906.00 (+15.79%)	$72,314 (+8.57%) Land $18,001 Building $54,313	$217,029 (+8.57%) Land $54,025 Building $163,004
2024		$66,606 (+21.39%) Land $16,580 Building $50,026	$199,898 (+21.44%) Land $49,760 Building $150,138
2022	$4,237.00 (+4.85%) Homeowner's exemption	$54,868 (+6.96%) Land $13,658 Building $41,210	$164,604 (+6.96%) Land $40,974 Building $123,630
2021	$4,041.00 Homeowner's exemption	$51,297 Land $12,769 Building $38,528	$153,891 Land $38,307 Building $115,584

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.

Nearby Properties on S Union St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures