Kane County property record for 66 Harding St, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 800 sqft · built 1931 |
| Lot Size | 0.143 acres (6,240 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $99,000 (Sep 2015) |
| Tax Bill | $3,401 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Feb 2023 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-24-152-021 |
| Primary APN | 06-24-152-021 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 800 sqft Living Area |
| Gross Area | 1,384 sqft |
| 1st Floor Area | 800 sqft |
| Basement Area | 584 sqft |
| Year Built | Built 1931 |
|---|---|
| Effective Year Built | Effective 1931 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 6,240 sqft (0.143 acres) |
| Lot Dimensions | 65 ft deep x 96 ft wide |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 66 HARDING ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-7700 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HARDINGS RESUB OF LOT 32 B W RAYMONDS 2ND ADDN LOT 14 EXCEPT STREET & EXCEPT NORTH 66 FT OF LOT 13 |
| Legal Subdivision | B W RAYMONDS 2ND ADDN |
| Legal Block | W |
| Legal Lot Number | 32,14 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 851600 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 66 HARDING ST, ELGIN, IL 60123-7700 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jul 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP |
| Feb 23, 2023 | Intrafamily Transfer, Transfer TICOR TITLE INSURANCE COMPANY, TICOR TITLE INSURANCE CO |
| Jan 27, 2017 | Deed of Trust, Mortgage PEOPLES HM EQUITY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 16, 2015 · Amount on Record |
| Deed Sale | Sep 16, 2015 · Amount on Record |
| Prior Sale | Dec 18, 2008 · Amount on Record |
| Deed Document Number | 201550622 |
| Last Transfer Date | Oct 7, 2021 |
| Transfer Doc | 0000005528 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 66 HARDING ST, ELGIN, IL 60123-7700 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Title Company | NOVAS TITLE COMPANY LLC, NOVAS TITLE CO LLC |
| Name | Verified Name |
|---|
| Document Number | 0000052622 |
|---|---|
| Date | Jul 9, 2021 |
| Instrument | 2021K052622 |
| Name | AMERICAN PACIFIC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ROSEVILLE, CA 95661 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jul 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.25% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Feb 23, 2023 |
| Property Address | 66 HARDING ST, ELGIN, IL 60123-7700 |
| Document Number | 0000005528 |
| Instrument Date | Oct 7, 2021 |
| Instrument | 2023K005528 |
| Transaction Type | Transfer |
| Record Updated | Mar 1, 2023 |
| Title Company | TICOR TITLE INSURANCE COMPANY, TICOR TITLE INSURANCE CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 66 HARDING ST, ELGIN, IL 60123-7700 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 66 HARDING ST, ELGIN, IL 60123-7700 |
| Document Number | 0000010604 |
| Instrument Date | Jan 27, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2017 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 66 HARDING ST ELGIN IL 601237700, ELGIN, IL 60123-7700 |
| Document Number | 0000010604 |
|---|---|
| Date | Feb 27, 2017 |
| Instrument | 10604 |
| Name | PEOPLES HM EQUITY |
|---|---|
| Type | Funding / Finance Company |
| Address | BRENTWOOD, TN 37027 |
| Amount | Amount Recorded |
|---|---|
| Term | 300 Months |
| Due | Feb 26, 2042 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.25% |
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,401.00 (+15.72%) | $52,584 (+8.57%) Land $14,798 Building $37,786 | $157,815 (+8.57%) Land $44,412 Building $113,403 |
| 2024 | $48,433 (+21.39%) Land $13,630 Building $34,803 | $145,357 (+21.44%) Land $40,906 Building $104,451 | |
| 2022 | $2,939.00 (+5.27%) Homeowner's exemption | $39,898 (+6.96%) Land $11,228 Building $28,670 | $119,694 (+6.96%) Land $33,684 Building $86,010 |
| 2021 | $2,792.00 Homeowner's exemption | $37,301 Land $10,497 Building $26,804 | $111,903 Land $31,491 Building $80,412 |
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.
Source: FEMA National Flood Hazard Layer, effective October 8, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 385 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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