822 Oakley Ave, Elgin, IL 60123 Property Records

Kane County property record for 822 Oakley Ave, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,042 sqft · built 1940
Lot Size	0.188 acres (8,211 sqft)
Owner	2 Individual Names on Record
Last Sale	$245,000 (Dec 2015)
Tax Bill	$8,307 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-14-102-007`

Property Details

APN / Parcel Number

Primary APN	`06-14-102-007`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,042 sqft Living Area
Gross Area	2,789 sqft
Basement Area	747 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Exterior Material	Brick
Lot Area	8,211 sqft (0.188 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	822 OAKLEY AVE
City	ELGIN
State	IL
Zip	60123-3439
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GEORGE BUSSES ADDN LOT 8
Legal Subdivision	GEORGE BUSSES ADDN
Legal Block	3
Legal Lot Number	8
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3008
Census Tract	851102

Owner

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	822 OAKLEY AVE, ELGIN, IL 60123-3439
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2015 · Amount on Record
Deed Sale	Dec 4, 2015 · Amount on Record
Prior Sale	Jun 16, 2015 · Amount on Record
Deed Document Number	201564792
Prior Transfer Date	Mar 12, 2015
Prior Transfer Doc	0000014400
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	822 OAKLEY AVE, ELGIN, IL 60123-3439
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	822 OAKLEY AVE, ELGIN, IL 60123-3439

Mortgage

Document Number	0000020228
Date	Apr 13, 2022
Instrument	2022K020228

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 11, 2052

Tax Assessment & Valuation

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	$8,307.00 (+16.26%) Homeowner's exemption	$116,886 (+8.57%) Land $21,585 Building $95,301	$350,798 (+8.57%) Land $64,781 Building $286,017
2024		$107,659 (+21.39%) Land $19,881 Building $87,778	$323,106 (+21.44%) Land $59,667 Building $263,439
2022	$7,145.00 (+4.47%) Homeowner's exemption	$88,686 (+6.96%) Land $16,377 Building $72,309	$266,058 (+6.96%) Land $49,131 Building $216,927
2021	$6,839.00 Homeowner's exemption	$82,915 Land $15,311 Building $67,604	$248,745 Land $45,933 Building $202,812

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 (1982)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 1982 · 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 382 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 in parts of the area	100 / 20

May also be available: T-Mobile.

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