Kane County property record for 832 Oak St, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,572 sqft · built 1924 |
| Lot Size | 0.224 acres (9,763 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $235,000 (Sep 2021) |
| Tax Bill | $6,713 (2025) |
| Deeds & Mortgages | Sep 2021 Sale & Mortgage Apr 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-23-108-011 |
| Primary APN | 06-23-108-011 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,572 sqft Living Area |
| Gross Area | 2,248 sqft |
| Basement Area | 676 sqft |
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 1924 |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 9,763 sqft (0.224 acres) |
| Garage Type | Detached |
| Parking Spaces | 4 Parking Spaces |
| Cooling System | HVAC |
|---|
| Street Address | 832 OAK ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-7304 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GROTE & WALDRONS 4TH ADDN LOT 7 BLOCK 6 |
| Legal Subdivision | GROTE&WALDRONS 4TH ADDN |
| Legal Block | 6 |
| Legal Lot Number | 7 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 5 |
| Census Block | 5014 |
| Census Tract | 851600 |
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 | 832 OAK ST, ELGIN, IL 60123-7304 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 8, 2021 | Warranty Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP |
| Apr 24, 2017 | Deed, Transfer · Conventional Mortgage PLATINUM HOME MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 8, 2021 · Amount on Record |
| Deed Sale | Sep 8, 2021 · Amount on Record |
| Prior Sale | Apr 24, 2017 · Amount on Record |
| Deed Document Number | 202168614 |
| Prior Transfer Date | Sep 1, 2015 |
| Prior Transfer Doc | 0000067597 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Sep 8, 2021 |
| Property Address | 832 OAK ST, ELGIN, IL 60123-7304 |
| Document Number | 0000068614 |
| Instrument Date | Aug 8, 2021 |
| Instrument | 2021K068614 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 2021 |
| Title Company | BAIRD AND WARNER TITLE SERVICES INC, BAIRD & WARNER TTL SVCS INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $235.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 832 OAK ST, ELGIN, IL 60123-7304 |
| Document Number | 0000068615 |
|---|---|
| Date | Sep 8, 2021 |
| Instrument | 2021K068615 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Rate | 3% |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Apr 24, 2017 |
| Property Address | 832 OAK ST, ELGIN, IL 60123-7304 |
| Document Number | 0000020282 |
| Instrument Date | Apr 17, 2017 |
| Instrument | 2017K020282 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | ATTORNEYS TITLE GUARANTY FUN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $150.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 508 N MCLEAN BLVD UNIT 234, 508, ELGIN, IL 60123-3266 |
| Name | Verified Name |
|---|---|
| Address | 832 OAK ST, ELGIN, IL 60123-7304 |
| Document Number | 0000020283 |
|---|---|
| Date | Apr 24, 2017 |
| Instrument | 2017K020283 |
| Name | PLATINUM HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.75% |
Source: Kane County assessment roll, as of July 23, 2026
| 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 | $6,713.00 (+15.84%) Homeowner's exemption | $96,001 (+8.57%) Land $19,861 Building $76,140 | $288,118 (+8.57%) Land $59,607 Building $228,511 |
| 2024 | $88,423 (+21.39%) Land $18,293 Building $70,130 | $265,375 (+21.44%) Land $54,901 Building $210,474 | |
| 2022 | $5,795.00 (+4.6%) Homeowner's exemption | $72,840 (+6.96%) Land $15,069 Building $57,771 | $218,520 (+6.96%) Land $45,207 Building $173,313 |
| 2021 | $5,540.00 Homeowner's exemption | $68,100 Land $14,088 Building $54,012 | $204,300 Land $42,264 Building $162,036 |
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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