520 Morgan St, Elgin, IL 60123 Property Records

Kane County property record for 520 Morgan St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,056 sqft · built 1948
Lot Size	0.67 acres (2,904 sqft)
Owner	2 Individual Names on Record
Last Sale	$165,000 (Nov 2020)
Tax Bill	$4,328 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-23-255-008`

Property Details

APN / Parcel Number

Primary APN	`06-23-255-008`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,056 sqft Living Area
Gross Area	1,584 sqft
Basement Area	528 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	2,904 sqft (0.67 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Window A/C
Water Source	Commercial

Location & Zoning

Street Address	520 MORGAN ST
City	ELGIN
State	IL
Zip	60123-7540
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAWKINS & PECKS 3RD ADDN EAST 44 FT OF LOT 10 BLOCK 1
Legal Subdivision	HAWKINS&PECKS 3RD ADDN
Legal Block	1
Legal Lot Number	10
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4002
Census Tract	851600

Owner

Source: Kane County records, as of July 23, 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	520 MORGAN ST, ELGIN, IL 60123-7540
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2023	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Nov 30, 2020	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 2020 · Amount on Record
Deed Sale	Nov 30, 2020 · Amount on Record
Prior Sale	May 25, 2006 · Amount on Record
Deed Document Number	202073433
Prior Transfer Date	Feb 22, 2007
Prior Transfer Doc	0000023363
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	520 MORGAN ST, ELGIN, IL 60123-7540
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 MORGAN ST, ELGIN, IL 60123-7540
Investor	Possibly a Property Investor

Mortgage

Document Number	0000012390
Date	Apr 20, 2023
Instrument	2023K012390

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	327 Months
Due	Jul 1, 2050

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Nov 30, 2020
Property Address	520 MORGAN ST, ELGIN, IL 60123-7540
Document Number	0000073433
Instrument Date	Jun 30, 2020
Instrument	2020K073433
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$165.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	520 MORGAN ST, 520, ELGIN, IL 60123-7540

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	520 MORGAN ST, ELGIN, IL 60123-7540

Mortgage

Document Number	0000073434
Date	Nov 30, 2020
Instrument	2020K073434

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Jul 1, 2050

Interest

Rate	3.12%

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	$4,328.00 (+15.75%) Homeowner's exemption	$64,741 (+8.57%) Land $10,355 Building $54,386	$194,301 (+8.57%) Land $31,077 Building $163,223
2024		$59,631 (+21.39%) Land $9,538 Building $50,093	$178,965 (+21.44%) Land $28,625 Building $150,339
2022	$3,739.00 (+4.97%) Homeowner's exemption	$49,122 (+6.96%) Land $7,857 Building $41,265	$147,366 (+6.96%) Land $23,571 Building $123,795
2021	$3,562.00 Homeowner's exemption	$45,926 Land $7,346 Building $38,580	$137,778 Land $22,038 Building $115,740

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 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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