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820 Morgan St, Elgin, IL 60123 Property Records

Kane County property record for 820 Morgan St, Elgin, IL 60123

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,440 sqft · built 1947
Lot Size0.197 acres (8,580 sqft)
OwnerIndividual Name on File
Last Sale$225,000 (Aug 2022)
Tax Bill$6,887 (2025)
Deeds & MortgagesAug 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN06-23-153-012

Property Details

APN / Parcel Number

Primary APN06-23-153-012

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms7 Rooms
Stories1 Story
Building Area1,440 sqft Living Area
Gross Area2,640 sqft
1st Floor Area1,440 sqft
Basement Area1,200 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1947
Effective Year BuiltEffective 1947
Exterior MaterialBrick
Lot Area8,580 sqft (0.197 acres)
Garage TypeAttached
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Cooling SystemHVAC

Location & Zoning

Street Address820 MORGAN ST
CityELGIN
StateIL
Zip60123-7314
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionGROTE & WALDRONS 4TH ADDN (EXCEPT SOUTH 2 FT) LOT 9 BLOCK 10
Legal SubdivisionGROTE&WALDRONS 4TH ADDN
Legal Block10
Legal Lot Number9
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group4
Census Block4005
Census Tract851600

Owner

820 Morgan St is owned and occupied by an individual who bought it in August 2022.

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

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

Owner of RecordIndividual Name on File
Mailing Address820 MORGAN ST, ELGIN, IL 60123-7314
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 26, 2022 · Amount on File
Deed SaleAug 26, 2022 · Amount on File
Prior SaleNov 13, 2003 · Amount on File
Deed Document Number202243223
Prior Transfer DateSep 9, 2000
Prior Transfer Doc0000004238
Record UpdatedOct 29, 2026

August 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateAug 26, 2022
Property Address820 MORGAN ST, ELGIN, IL 60123-7314
Document Number0000043223
Instrument DateJun 27, 2022
Instrument2022K043223
Transaction TypeTransfer
Record UpdatedSep 2, 2022
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$225.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address820 MORGAN ST, ELGIN, IL 60123-7314

Mortgage

Document Number0000043224
DateAug 26, 2022
Instrument2022K043224
Lender
NameFIRST NATIONAL BANK OF OMAHA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 820 Morgan St was $6,887 with a homeowner's exemption.

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionElgin Township
MunicipalityElgin City
Unified School DistrictSchool District U-46 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$6,887.00 Homeowner's exemption$98,278 (+8.57%) Land $18,999 Building $79,279$294,952 (+8.57%) Land $57,020 Building $237,932
2024$90,520 Land $17,499 Building $73,021$271,669 Land $52,518 Building $219,151
2022$5,945.00 (+4.59%) Homeowner's exemption$74,567 (+6.96%) Land $14,415 Building $60,152$223,701 (+6.96%) Land $43,245 Building $180,456
2021$5,684.00 Homeowner's exemption$69,715 Land $13,477 Building $56,238$209,145 Land $40,431 Building $168,714

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 820 Morgan St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 820 Morgan 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 RiskNot 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 SystemELGIN
serves 114,797 people · EPA ID IL0894380
Water SourceSurface water
Last State InspectionAug 2025
Lead19 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting8
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

ProviderMax 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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