558 Gertrude St, Elgin, IL 60123 Property Records

Kane County property record for 558 Gertrude St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,380 sqft · built 1938
Lot Size	0.186 acres (8,115 sqft)
Owner	Individual Name on Record
Last Sale	$96,000 (Jul 2013)
Tax Bill	$5,777 (2025)
Deeds & Mortgages	May 2022 Mortgage May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-23-184-019`

Property Details

APN / Parcel Number

Primary APN	`06-23-184-019`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	5 Stories
Building Area	1,380 sqft Living Area
Gross Area	2,312 sqft
Basement Area	932 sqft

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Construction Type	Frame
Lot Area	8,115 sqft (0.186 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	558 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 SOUTH 58 FT OF NORTH 116 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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	558 GERTRUDE ST, ELGIN, IL 60123-7469
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 4, 2022	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
May 5, 2017	Deed of Trust, Mortgage · FHA Mortgage UNIVERSAL AMERICAN MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 11, 2013 · Amount on Record
Deed Sale	Jul 11, 2013 · Amount on Record
Deed Document Number	201350997
Prior Transfer Date	Jul 2, 2013
Prior Transfer Doc	0000050997
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	558 GERTRUDE ST, ELGIN, IL 60123-7469
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	558 GERTRUDE ST, ELGIN, IL 60123-7469

Mortgage

Document Number	0000024124
Date	May 4, 2022
Instrument	2022K024124

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Mar 1, 2052

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	558 GERTRUDE ST, ELGIN, IL 60123-7469
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022913
Date	May 5, 2017
Instrument	2017K022913

Lender

Name	UNIVERSAL AMERICAN MORTGAGE CO
Type	Mortgage Company
Address	MIAMI, FL 33172

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

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	$5,777.00 (+15.82%) Homeowner's exemption	$83,734 (+31.8%) Land $17,264 Building $66,470	$251,303 (+31.85%) Land $51,813 Building $199,490
2022	$4,988.00 (+4.72%) Homeowner's exemption	$63,531 (+6.96%) Land $13,098 Building $50,433	$190,593 (+6.96%) Land $39,294 Building $151,299
2021	$4,763.00 Homeowner's exemption	$59,397 Land $12,246 Building $47,151	$178,191 Land $36,738 Building $141,453

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

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.

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