521 Locust St, Elgin, IL 60123 Property Records

Kane County property record for 521 Locust St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,775 sqft · built 1950
Lot Size	0.13 acres (5,676 sqft)
Owner	2 Individual Names on Record
Last Sale	$180,000 (Jul 2007)
Tax Bill	$6,539 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-14-453-002`

Property Details

APN / Parcel Number

Primary APN	`06-14-453-002`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	5 Stories
Building Area	1,775 sqft Living Area
Gross Area	3,063 sqft
Basement Area	1,288 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Cape Cod
Exterior Material	Brick
Lot Area	5,676 sqft (0.13 acres)
Lot Width	168 ft Width
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	521 LOCUST ST
City	ELGIN
State	IL
Zip	60123-6363
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	J C & W H KIMBALLS ADDN EAST 60 FT LOT 3 BLOCK 2
Legal Subdivision	J C&W H KIMBALLS ADDN
Legal Block	2
Legal Lot Number	3
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1009
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	2 Individual Names on Record
Mailing Address	521 LOCUST ST, ELGIN, IL 60123-6363
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2022	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Sep 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage MERIDIAN HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2007 · Amount on Record
Deed Sale	Jul 26, 2007 · Amount on Record
Deed Document Number	200778021
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	521 LOCUST ST, ELGIN, IL 60123-6363
Transaction Type	Mortgage
Record Updated	Aug 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 LOCUST ST, ELGIN, IL 60123-6363

Mortgage

Document Number	0000042553
Date	Aug 23, 2022
Instrument	2022K042553

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 5, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	521 LOCUST ST, ELGIN, IL 60123-6363
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ADVANTAGE TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000054824
Date	Sep 22, 2020
Instrument	2020K054824

Lender

Name	MERIDIAN HOME MORTGAGE CORP
Type	Mortgage Company
Address	WESTMINSTER, MD 21157

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.62%

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	$6,539.00 (+15.84%) Homeowner's exemption	$93,713 (+8.57%) Land $13,995 Building $79,718	$281,252 (+8.57%) Land $42,002 Building $239,250
2024		$86,315 (+21.39%) Land $12,890 Building $73,425	$259,049 (+21.44%) Land $38,685 Building $220,363
2022	$5,645.00 (+4.63%) Homeowner's exemption	$71,103 (+6.96%) Land $10,618 Building $60,485	$213,309 (+6.96%) Land $31,854 Building $181,455
2021	$5,395.00 Homeowner's exemption	$66,476 Land $9,927 Building $56,549	$199,428 Land $29,781 Building $169,647

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 440 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Fox Valley Internet, Verizon.

Nearby Properties on Locust St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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