657 Oak St, Elgin, IL 60123 Property Records

Kane County property record for 657 Oak St, Elgin, IL 60123 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	2 Baths
Year Built	Built 1920
Square Footage	1,568 sqft Living Area
Lot Size	7,986 sqft (0.183 acres)
Occupancy	Owner Occupied
Last Sale	$162,000 (2002)
Tax Bill	$5,877.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`06-23-178-003`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	1,568 sqft Living Area
Gross Area	2,650 sqft Gross Area
Basement Area	1,082 sqft Basement
Stories	5 Stories

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Aluminum/Vinyl Exterior
Construction Type	Frame Construction
Lot Area	7,986 sqft (0.183 acres)
Depth X Width	121 ft x 66 ft Depth x Width
Parking Spaces	1 Parking Spaces
Garage Type	Detached Garage

Utilities and HVAC

Cooling System	HVAC Cooling
Sewage	Municipal Sewage
Water Source	Commercial Water Source

Location & Zoning

Street Address	657 OAK ST
City	ELGIN
State	IL
Zip	60123-7456
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	J C & W H KIMBALLS 4TH ADDN LOT 2 BLOCK 10
Legal Subdivision	J C&W H KIMBALLS 4TH ADDN
Legal Block	10
Legal Lot Number	2
Jurisdiction	KANE IL
Minor Civil Division	ELGIN
Census Blockgroup	5
Census Block	5021
Census Tract	851600

Owner

Source: Kane County records · APN 06-23-178-003

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	657 OAK ST, ELGIN, IL 60123-7456
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 27, 2002 · Amount on Record
Deed Sale	Sep 27, 2002 · Amount on Record
Prior Sale	Jul 28, 1994 · Amount on Record
Deed Doc Number	2002119965
Last Transfer Date	Jun 24, 2004
Transfer Doc	0000154709
Record Refreshed	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	657 OAK ST, ELGIN, IL 60123-7456
Transaction Type	Mortgage
Record Updated	Sep 30, 2021
Title Company	CITYWIDE TITLE CORPORATION, CITYWIDE TITLE CORP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000072140
Date	Sep 22, 2021
Instrument	2021K072140

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2051

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	$5,877.00 (+15.83%) Homeowner's exemption
2024		$78,331 (+21.39%) Land $16,695 Building $61,636	$235,087 (+21.44%) Land $50,105 Building $184,982
2022	$5,074.00 (+4.7%) Homeowner's exemption	$64,526 (+6.96%) Land $13,753 Building $50,773	$193,578 (+6.96%) Land $41,259 Building $152,319
2021	$4,846.00 Homeowner's exemption	$60,327 Land $12,858 Building $47,469	$180,981 Land $38,574 Building $142,407