766 Oak St, Elgin, IL 60123 Property Records

Kane County property record for 766 Oak St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,080 sqft · built 1955
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on File
Last Sale	$187,500 (Oct 2005)
Tax Bill	$5,408 (2025)
Deeds & Mortgages	Apr 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-23-133-006`

Property Details

APN / Parcel Number

Primary APN	`06-23-133-006`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,080 sqft Living Area
Gross Area	2,160 sqft
1st Floor Area	1,080 sqft
Basement Area	1,080 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Construction Type	Frame
Lot Area	4,356 sqft (0.1 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	766 OAK ST
City	ELGIN
State	IL
Zip	60123-7457
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GROTE & WALDRONS 4TH ADDN EAST 1/2 OF LOT 4 BLOCK 5
Legal Subdivision	GROTE&WALDRONS 4TH ADDN
Legal Block	5
Legal Lot Number	4
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	5
Census Block	5015
Census Tract	851600

Owner

766 Oak St is owned and occupied by an individual who bought it in October 2005.

Source: Kane County records, as of July 23, 2026

Owner of Record	Individual Name on File
Mailing Address	766 OAK ST, ELGIN, IL 60123-7457
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 11, 2005 · Amount on File
Deed Sale	Oct 11, 2005 · Amount on File
Prior Sale	Jul 18, 2003 · Amount on File
Deed Document Number	2005121283
Prior Transfer Date	Sep 27, 2005
Prior Transfer Doc	0000127643
Record Updated	Oct 29, 2026

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KANE IL
Recording Date	Apr 13, 2017
Property Address	766 OAK ST, ELGIN, IL 60123-7457
Document Number	0000018409
Instrument Date	Mar 13, 2017
Instrument	18409
Transaction Type	Transfer
Record Updated	May 3, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	512 SAINT CHARLES ST ELGIN IL 601207830, ELGIN, IL 60120-7830

Mortgage

Document Number	18410
Date	Apr 13, 2017
Instrument	18410

Lender

Name	SELF-HELP CU
Type	Credit Union
Address	DURHAM, NC 27701

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 12, 2047

Interest

Rate Type	Fixed Rate
Rate	5.37%

Tax Assessment & Valuation

The 2025 property tax bill for 766 Oak St was $5,408 with a homeowner's exemption.

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	$5,408.00 Homeowner's exemption	$78,896 (+8.57%) Land $12,953 Building $65,943	$236,783 (+8.57%) Land $38,875 Building $197,908
2024		$72,669 Land $11,931 Building $60,738	$218,094 Land $35,807 Building $182,287
2022	$4,670.00 (+4.78%) Homeowner's exemption	$59,863 (+6.96%) Land $9,829 Building $50,034	$179,589 (+6.96%) Land $29,487 Building $150,102
2021	$4,457.00 Homeowner's exemption	$55,967 Land $9,189 Building $46,778	$167,901 Land $27,567 Building $140,334

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.

Flood

FEMA maps place 766 Oak St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2008.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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

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.

Wildfire

The area around 766 Oak St has no burnable land within ember reach, so its wildfire risk is not rated.

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.

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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