823 Morgan St, Elgin, IL 60123 Property Records

Kane County property record for 823 Morgan St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 722 sqft · built 1948
Lot Size	0.208 acres (9,077 sqft)
Owner	Individual Name on Record
Last Sale	$154,500 (Jul 2008)
Tax Bill	$4,283 (2025)
Deeds & Mortgages	Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-23-155-006`

Property Details

APN / Parcel Number

Primary APN	`06-23-155-006`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	722 sqft Living Area
Gross Area	1,444 sqft
1st Floor Area	722 sqft
Basement Area	722 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Ranch
Construction Type	Frame
Lot Area	9,077 sqft (0.208 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	823 MORGAN ST
City	ELGIN
State	IL
Zip	60123-7313
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THOMAS MUIRS ADDN LOT 13 BLOCK 2
Legal Subdivision	THOMAS MUIRS ADDN
Legal Block	2
Legal Lot Number	13
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4008
Census Tract	851600

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	Individual Name on Record
Mailing Address	823 MORGAN ST, ELGIN, IL 60123-7313
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 9, 2008 · Amount on Record
Deed Sale	Jul 9, 2008 · Amount on Record
Prior Sale	Mar 8, 2004 · Amount on Record
Deed Document Number	200856410
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	823 MORGAN ST, ELGIN, IL 60123-7313
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004529
Date	Jan 29, 2018
Instrument	2018K004529

Lender

Name	DITECH FINANCIAL LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2038

Interest

Rate Type	Fixed Rate
Rate	4.25%

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	$4,283.00 (+15.79%) Homeowner's exemption	$64,144 (+8.57%) Land $17,747 Building $46,397	$192,509 (+8.57%) Land $53,262 Building $139,247
2024		$59,081 (+21.39%) Land $16,346 Building $42,735	$177,314 (+21.44%) Land $49,058 Building $128,256
2022	$3,699.00 (+4.97%) Homeowner's exemption	$48,669 (+6.96%) Land $13,465 Building $35,204	$146,007 (+6.96%) Land $40,395 Building $105,612
2021	$3,524.00 Homeowner's exemption	$45,502 Land $12,589 Building $32,913	$136,506 Land $37,767 Building $98,739

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 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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