826 Kate St, Elgin, IL 60123 Property Records

Kane County property record for 826 Kate St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,418 sqft · built 1935
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Dec 2025)
Tax Bill	$6,318 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-23-105-014`

Property Details

APN / Parcel Number

Primary APN	`06-23-105-014`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	5 Stories
Building Area	1,418 sqft Living Area
Gross Area	2,363 sqft
Basement Area	945 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Detached
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	826 KATE ST
City	ELGIN
State	IL
Zip	60123-7302
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GROTE & WALDRONS 4TH ADDN LOT 8 BLOCK 2
Legal Subdivision	GROTE&WALDRONS 4TH ADDN
Legal Block	2
Legal Lot Number	8
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	5
Census Block	5008
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	2 Individual Names on Record
Mailing Address	408 BOWEN CT, ELGIN, IL 60120-6730
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 24, 2025	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU
May 29, 2019	Warranty Deed, Transfer · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 24, 2025 · Amount on Record
Deed Sale	Dec 24, 2025 · Amount on Record
Prior Sale	May 29, 2019 · Amount on Record
Deed Document Number	202551304
Prior Transfer Date	Mar 15, 2005
Prior Transfer Doc	0000028594
Record Updated	Oct 29, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 24, 2025
Property Address	826 KATE ST, ELGIN, IL 60123-7302
Document Number	0000051304
Instrument Date	Dec 17, 2025
Instrument	2025K051304
Transaction Type	Transfer
Record Updated	Jan 5, 2026
Title Company	CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	826 KATE ST, ELGIN, IL 60123-7302

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	826 KATE ST, ELGIN, IL 60123-7302

Mortgage

Document Number	0000051305
Date	Dec 24, 2025
Instrument	2025K051305

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2033
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	8.37%
Index	1-Year CMT
Max Rate	12.3%

Mortgage

Document Number	0000051306
Date	Dec 24, 2025
Instrument	2025K051306

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jan 1, 2036

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 29, 2019
Property Address	826 KATE ST, ELGIN, IL 60123-7302
Document Number	0000021512
Instrument Date	May 16, 2019
Instrument	2019K021512
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$220.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1032 SAINT JOHN ST, 1032, ELGIN, IL 60120-2940

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	826 KATE ST, ELGIN, IL 60123-7302

Mortgage

Document Number	0000021513
Date	May 29, 2019
Instrument	2019K021513

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Fixed Rate
Rate	4.37%

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	$6,318.00 (+4.38%) Homeowner's exemption	$90,817 (+8.57%) Land $18,999 Building $71,818	$272,560 (+8.57%) Land $57,020 Building $215,540
2024	$6,053.00 (+10.98%) Homeowner's exemption	$83,648 (+21.39%) Land $17,499 Building $66,149	$251,044 (+21.44%) Land $52,518 Building $198,526
2022	$5,454.00 (+4.64%) Homeowner's exemption	$68,907 (+6.96%) Land $14,415 Building $54,492	$206,721 (+6.96%) Land $43,245 Building $163,476
2021	$5,212.00 Homeowner's exemption	$64,423 Land $13,477 Building $50,946	$193,269 Land $40,431 Building $152,838

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 (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.

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 637 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
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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