Kane County property record for 825 Oak St, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,499 sqft · built 1948 |
| Lot Size | 0.223 acres (9,699 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $292,500 (Jul 2019) |
| Tax Bill | $6,200 (2025) |
| Deeds & Mortgages | Jul 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-23-151-007 |
| Primary APN | 06-23-151-007 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 5 Stories |
| Building Area | 1,499 sqft Living Area |
| Gross Area | 2,498 sqft |
| Basement Area | 999 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Architectural Style | Cape Cod |
| Construction Type | Frame |
| Lot Area | 9,699 sqft (0.223 acres) |
| Lot Dimensions | 147 ft deep x 66 ft wide |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Cooling System | Window A/C |
|---|---|
| Heating System | Hot Water |
| Water Source | Commercial |
| Street Address | 825 OAK ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-7303 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GROTE & WALDRONS 4TH ADDN LOT 6 BLOCK 7 |
| Legal Subdivision | GROTE&WALDRONS 4TH ADDN |
| Legal Block | 7 |
| Legal Lot Number | 6 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 5 |
| Census Block | 5024 |
| Census Tract | 851600 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 825 OAK ST, ELGIN, IL 60123-7303 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants in Common |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 19, 2019 · Amount on Record |
| Deed Sale | Jul 19, 2019 · Amount on Record |
| Prior Sale | Jul 27, 2006 · Amount on Record |
| Deed Document Number | 201931550 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jul 19, 2019 |
| Property Address | 825 OAK ST, ELGIN, IL 60123-7303 |
| Document Number | 0000031550 |
| Instrument Date | Jun 5, 2019 |
| Instrument | 2019K031550 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $292.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 825 OAK ST, ELGIN, IL 60123-7303 |
| Document Number | 0000031551 |
|---|---|
| Date | Jul 19, 2019 |
| Instrument | 2019K031551 |
| Name | KEY MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.37% |
Source: Kane County assessment roll, as of August 25, 2025
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,200.00 (+15.82%) Homeowner's exemption | ||
| 2024 | $82,233 (+21.4%) Land $18,149 Building $64,084 | $246,798 (+21.44%) Land $54,469 Building $192,329 | |
| 2022 | $5,353.00 (+4.65%) Homeowner's exemption | $67,740 (+6.96%) Land $14,950 Building $52,790 | $203,220 (+6.96%) Land $44,850 Building $158,370 |
| 2021 | $5,115.00 Homeowner's exemption | $63,332 Land $13,977 Building $49,355 | $189,996 Land $41,931 Building $148,065 |
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.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 626 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 |
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