554 Grace St, Elgin, IL 60120 Property Records

Kane County property record for 554 Grace St, Elgin, IL 60120 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,476 sqft · built 1890
Lot Size	0.164 acres (7,125 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,880 (2025)
Deeds & Mortgages	Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-24-251-028`

Property Details

APN / Parcel Number

Primary APN	`06-24-251-028`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,476 sqft Living Area
Gross Area	2,368 sqft
Basement Area	892 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Construction Type	Frame
Lot Area	7,125 sqft (0.164 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	554 GRACE ST
City	ELGIN
State	IL
Zip	60120-7837
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GROTE & WALDRONS ADDN NORTH PART (BEING 83 10/12 FT ON WEST LINE & 60 2/3 FT ON EAST LINE) LOT 23 BLOCK 2
Legal Subdivision	GROTE&WALDRONS ADDN
Legal Block	5
Legal Lot Number	23
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	5
Census Block	5006
Census Tract	851400

Owner

Source: Kane County records · APN 06-24-251-028

Assessment roll updated July 23, 2026 · Last verified August 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 File
Mailing Address	554 GRACE ST, ELGIN, IL 60120-7837
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Jan 13, 2003
Transfer Doc	0000017408
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	554 GRACE ST, ELGIN, IL 60120-7837
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	HALLMARK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000078293
Date	Dec 15, 2020
Instrument	2020K078293

Lender

Name	KANE COUNTY TEACHERS CU
Type	Credit Union
Address	ELGIN, IL 60123

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 01, 2036

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated July 23, 2026 · Last verified August 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,880.00 (-18.59%) Homeowner's exemption Senior Citizen's exemption	$80,354 (+8.57%) Land $15,382 Building $64,972	$241,158 (+8.57%) Land $46,164 Building $194,994
2024		$74,011 (+21.39%) Land $14,168 Building $59,843	$222,122 (+21.44%) Land $42,521 Building $179,601
2022	$4,766.00 (+4.75%) Homeowner's exemption	$60,968 (+6.96%) Land $11,671 Building $49,297	$182,904 (+6.96%) Land $35,013 Building $147,891
2021	$4,550.00 Homeowner's exemption	$57,001 Land $10,912 Building $46,089	$171,003 Land $32,736 Building $138,267

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 585 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Radiate Holdings	Cable	1,500 / 50
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.