610 Oak St, Elgin, IL 60123 Property Records

Kane County property record for 610 Oak St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 702 sqft · built 1948
Lot Size	0.76 acres (3,300 sqft)
Owner	Individual Name on File
Last Sale	$120,000 (May 2021)
Tax Bill	$3,271 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-23-136-014`

Property Details

APN / Parcel Number

Primary APN	`06-23-136-014`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	702 sqft Living Area
Gross Area	1,404 sqft
1st Floor Area	702 sqft
Basement Area	702 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Construction Type	Frame
Lot Area	3,300 sqft (0.76 acres)
Lot Dimensions	66 ft deep x 50 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	610 OAK ST
City	ELGIN
State	IL
Zip	60123-7410
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	J C & W H KIMBALLS 4TH ADDN WEST 50 FT LOT 5 BLOCK 8
Legal Subdivision	J C&W H KIMBALLS 4TH ADDN
Legal Block	8
Legal Lot Number	5
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	5
Census Block	5019
Census Tract	851600

Owner

Source: Kane County records · APN 06-23-136-014

Assessment roll updated August 25, 2025 · Last verified July 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 File
Mailing Address	14N481 MCCORNACK RD, ELGIN, IL 60124-7904
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 06, 2021 · Amount on Record
Deed Sale	May 06, 2021 · Amount on Record
Prior Sale	Mar 22, 2002 · Amount on Record
Deed Document Number	202135735
Prior Transfer Date	Jun 01, 2010
Prior Transfer Doc	0000035632
Record Updated	Sep 20, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 06, 2021
Property Address	610 OAK ST, ELGIN, IL 60123-7410
Document Number	0000035735
Instrument Date	Mar 15, 2021
Instrument	2021K035735
Transaction Type	Transfer
Record Updated	May 17, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$120.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	610 OAK ST, 610, ELGIN, IL 60123-7410

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14N841 MCCOMACK RD, ELGIN, IL 60124

Mortgage

Document Number	0000035736
Date	May 06, 2021
Instrument	2021K035736

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Apr 01, 2051

Interest

Rate Type	Fixed Rate
Rate	3.25%

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 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, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,271.00 (+15.71%) Homeowner's exemption
2024		$46,867 (+21.4%) Land $9,538 Building $37,329	$140,657 (+21.44%) Land $28,625 Building $112,032
2022	$2,827.00 (-12.2%) Homeowner's exemption	$38,607 (+6.96%) Land $7,857 Building $30,750	$115,821 (+6.96%) Land $23,571 Building $92,250
2021	$3,220.00	$36,095 Land $7,346 Building $28,749	$108,285 Land $22,038 Building $86,247

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 8, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2008 · Severe Storms And Flooding

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Radiate Holdings Cable	1,500 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: T-Mobile USA.

Based on FCC filings for 578 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ELGIN serves 114,797 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.