538 Bird St, Elgin, IL 60123 Property Records

Kane County property record for 538 Bird St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,266 sqft · built 1903
Lot Size	0.166 acres (7,216 sqft)
Owner	Company Name on Record
Last Sale	$375,000 (Aug 2023)
Tax Bill	$6,940 (2025)
Deeds & Mortgages	Oct 2023 Transfer Aug 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-11-379-014`

Property Details

APN / Parcel Number

Primary APN	`06-11-379-014`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,266 sqft Living Area
Gross Area	3,044 sqft
Basement Area	778 sqft

Exterior

Year Built	Built 1903
Effective Year Built	Effective 1903
Construction Type	Frame
Lot Area	7,216 sqft (0.166 acres)
Garage Type	Detached
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	538 BIRD ST
City	ELGIN
State	IL
Zip	60123-2804
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEARS ADDN LOT 17
Legal Subdivision	SEARS ADDN
Legal Block	3
Legal Lot Number	17
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3033
Census Tract	854600

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	Company Name on Record
Mailing Address	181 S JANE DR, ELGIN, IL 60123-5909
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2023	Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY
Aug 31, 2023	Warranty Deed, Transfer · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Jul 2, 2021	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PORTFOLIO MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2023 · Amount on Record
Deed Sale	Aug 31, 2023 · Amount on Record
Prior Sale	Jul 2, 2021 · Amount on Record
Deed Document Number	202330264
Last Transfer Date	Oct 2, 2023
Transfer Doc	0000035834
Record Updated	Sep 20, 2026

October 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Oct 12, 2023
Property Address	538 BIRD ST, ELGIN, IL 60123-2804
Document Number	0000035834
Instrument Date	Oct 2, 2023
Instrument	2023K035834
Transaction Type	Transfer
Record Updated	Oct 20, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2260 ANNANDALE CT, ELGIN, IL 60123-6546

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 S JANE DR, ELGIN, IL 60123-5909

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 31, 2023
Property Address	538 BIRD ST, ELGIN, IL 60123-2804
Document Number	0000030264
Instrument Date	Aug 4, 2023
Instrument	2023K030264
Transaction Type	Transfer
Record Updated	Sep 7, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$375.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	310 E FOREST LN, PALATINE, IL 60067-7534

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	538 BIRD ST, ELGIN, IL 60123-2804

Mortgage

Document Number	0000030265
Date	Aug 31, 2023
Instrument	2023K030265

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

Interest

Rate	7.5%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 2, 2021
Property Address	538 BIRD ST, ELGIN, IL 60123-2804
Document Number	0000051225
Instrument Date	Jun 28, 2021
Instrument	2021K051225
Transaction Type	Transfer
Record Updated	Aug 5, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$280.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 BIRD ST, ELGIN, IL 60123-2804

Mortgage

Document Number	0000051226
Date	Jul 2, 2021
Instrument	2021K051226

Lender

Name	AMERICAN PORTFOLIO MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate
Rate	4.12%

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	$6,940.00 (+25.41%)	$90,979 (+8.57%) Land $15,521 Building $75,458	$273,046 (+8.57%) Land $46,582 Building $226,465
2024		$83,798 (+31.29%) Land $14,296 Building $69,502	$251,495 (+31.35%) Land $42,905 Building $208,589
2022	$5,534.00 (+3.96%)	$63,825 (+6.96%) Land $11,776 Building $52,049	$191,475 (+6.96%) Land $35,328 Building $156,147
2021	$5,323.00	$59,672 Land $11,010 Building $48,662	$179,016 Land $33,030 Building $145,986

Assessed value is set for property tax purposes, not a market price estimate; it is 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 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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