552 Gertrude St, Elgin, IL 60123 Property Records

Kane County property record for 552 Gertrude St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,248 sqft · built 1915
Lot Size	0.19 acres (8,255 sqft)
Owner	Individual Name on File
Last Sale	$175,000 (Oct 2021)
Tax Bill	$5,559 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-23-184-018`

Property Details

APN / Parcel Number

Primary APN	`06-23-184-018`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,248 sqft Living Area
Gross Area	1,872 sqft
Basement Area	624 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Architectural Style	Traditional
Exterior Material	Wood
Construction Type	Frame
Lot Area	8,255 sqft (0.19 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Window A/C
Water Source	Commercial

Location & Zoning

Street Address	552 GERTRUDE ST
City	ELGIN
State	IL
Zip	60123-7469
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W H WILCOXS 3RD ADDN NORTH 59 FT LOT 1 BLOCK 4
Legal Subdivision	W H WILCOXS 3RD ADDN
Legal Block	4
Legal Lot Number	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4018
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	Individual Name on File
Mailing Address	552 GERTRUDE ST, ELGIN, IL 60123-7469
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2021 · Amount on File
Deed Sale	Oct 28, 2021 · Amount on File
Prior Sale	Nov 5, 2012 · Amount on File
Deed Document Number	202181623
Prior Transfer Date	Apr 20, 2012
Prior Transfer Doc	0000076710
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 28, 2021
Property Address	552 GERTRUDE ST, ELGIN, IL 60123-7469
Document Number	0000081623
Instrument Date	Apr 20, 2021
Instrument	2021K081623
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$175.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	552 GERTRUDE ST, ELGIN, IL 60123-7469

Mortgage

Document Number	0000081624
Date	Oct 28, 2021
Instrument	2021K081624

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	357 Months
Due	Jul 1, 2051

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	$5,559.00 (+15.81%) Homeowner's exemption	$80,874 (+8.57%) Land $17,264 Building $63,610	$242,719 (+8.57%) Land $51,813 Building $190,906
2024		$74,490 (+21.39%) Land $15,901 Building $58,589	$223,559 (+21.44%) Land $47,722 Building $175,837
2022	$4,800.00 (-6.21%) Homeowner's exemption	$61,362 (+6.96%) Land $13,098 Building $48,264	$184,086 (+6.96%) Land $39,294 Building $144,792
2021	$5,118.00	$57,369 Land $12,246 Building $45,123	$172,107 Land $36,738 Building $135,369

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	Low lower than 97% of the US · lower than 79% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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.

Nearby Properties on Gertrude St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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