527 Morgan St, Elgin, IL 60123 Property Records

Kane County property record for 527 Morgan St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,087 sqft · built 1925
Lot Size	0.13 acres (5,660 sqft)
Owner	Individual Name on Record
Last Sale	$128,000 (Apr 2014)
Tax Bill	$4,854 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-23-258-005`

Property Details

APN / Parcel Number

Primary APN	`06-23-258-005`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,087 sqft Living Area
Gross Area	1,902 sqft
1st Floor Area	1,087 sqft
Basement Area	815 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Brick
Lot Area	5,660 sqft (0.13 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	527 MORGAN ST
City	ELGIN
State	IL
Zip	60123-7539
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	B J WETMORES ADDN WEST 38 1/2 FT LOT 6
Legal Subdivision	B J WETMORES ADDN
Legal Block	4
Legal Lot Number	6
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4011
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	Individual Name on Record
Mailing Address	527 MORGAN ST, ELGIN, IL 60123-7539
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Jun 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jan 25, 2018	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2014 · Amount on Record
Deed Sale	Apr 29, 2014 · Amount on Record
Deed Document Number	201420156
Prior Transfer Date	Apr 6, 2014
Prior Transfer Doc	0000020155
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	527 MORGAN ST, ELGIN, IL 60123-7539
Transaction Type	Mortgage
Record Updated	Jan 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000047814
Date	Oct 9, 2019
Instrument	2019K047814

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	527 MORGAN ST, ELGIN, IL 60123-7539
Transaction Type	Mortgage
Record Updated	Jun 30, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000046140
Date	Jun 16, 2021
Instrument	2021K046140

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jul 1, 2041

Interest

Rate Type	Fixed Rate
Rate	2.99%

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	527 MORGAN ST, ELGIN, IL 60123-7539
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004178
Date	Jan 25, 2018
Instrument	2018K004178

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

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	$4,854.00 (+17.19%) Homeowner's exemption	$72,641 (+8.57%) Land $12,085 Building $60,556	$218,010 (+8.57%) Land $36,270 Building $181,741
2024		$66,907 (+21.4%) Land $11,131 Building $55,776	$200,801 (+21.44%) Land $33,406 Building $167,395
2022	$4,142.00 (+4.86%) Homeowner's exemption	$55,115 (+8.48%) Land $9,169 Building $45,946	$165,345 (+8.48%) Land $27,507 Building $137,838
2021	$3,950.00 Homeowner's exemption	$50,808 Land $8,572 Building $42,236	$152,424 Land $25,716 Building $126,708

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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