821 Larkin Ave, Elgin, IL 60123 Property Records

Kane County property record for 821 Larkin Ave, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,946 sqft · built 1910
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on Record
Last Sale	$390,000 (Jun 2026)
Tax Bill	$7,108 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-14-162-001`

Property Details

APN / Parcel Number

Primary APN	`06-14-162-001`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,946 sqft Living Area
Gross Area	2,859 sqft
Basement Area	913 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Construction Type	Frame
Lot Area	5,227 sqft (0.12 acres)
Lot Width	66 ft Width
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	821 LARKIN AVE
City	ELGIN
State	IL
Zip	60123-5235
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CREIGHTON PARK ADD NLY 12.8 FT ON THE WLY LINE & 20.5 FT ON ELY LINE WLY 1/2 LOT 5 & WLY 1/2 LOT 1 BLK 4
Legal Subdivision	CREIGHTON PARK ADD
Legal Block	4
Legal Lot Number	5
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4001
Census Tract	851101

Owner

Source: Kane County records, as of July 21, 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 Record
Mailing Address	821 LARKIN AVE, ELGIN, IL 60123-5235
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 2026 · Amount on Record
Deed Sale	Jun 17, 2026 · Amount on Record
Prior Sale	Oct 29, 2010 · Amount on Record
Deed Document Number	202625308
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 17, 2026
Property Address	821 LARKIN AVE, ELGIN, IL 60123-5235
Document Number	0000025308
Instrument Date	Jun 5, 2026
Instrument	202625308
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$59,085.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	821 LARKIN AVE, ELGIN, IL 60123-5235
Investor	Possibly a Property Investor

Mortgage

Document Number	0000025309,
Date	Jun 17, 2026
Instrument	202625309

Lender

Name	WINTRUST MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 2025

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	$7,108.00 (+4.27%) Homeowner's exemption
2024	$6,817.00 (+11.1%)	$93,190 (+21.39%) Land $14,250 Building $78,940	$279,682 (+21.44%) Land $42,767 Building $236,915
2022	$6,136.00 (+4.58%) Homeowner's exemption	$76,767 (+6.96%) Land $11,739 Building $65,028	$230,301 (+6.96%) Land $35,217 Building $195,084
2021	$5,867.00 Homeowner's exemption	$71,772 Land $10,975 Building $60,797	$215,316 Land $32,925 Building $182,391

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

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 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2018 · rainfall accumulation

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

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 574 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 DSL · Fiber, Fixed Wireless in parts of the area	100 / 20