856 W Highland Ave, Elgin, IL 60123 Property Records

Kane County property record for 856 W Highland Ave, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,122 sqft · built 1900
Lot Size	0.412 acres (17,954 sqft)
Owner	2 Individual Names on File
Last Sale	$445,000 (Oct 2022)
Tax Bill	$10,610 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-14-155-009`

Property Details

APN / Parcel Number

Primary APN	`06-14-155-009`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,122 sqft Living Area
Gross Area	4,555 sqft
Basement Area	1,433 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Victorian
Construction Type	Frame
Lot Area	17,954 sqft (0.412 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Window A/C
Water Source	Commercial

Location & Zoning

Street Address	856 W HIGHLAND AVE
City	ELGIN
State	IL
Zip	60123-5355
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MCCLURES LINDEN ADDN LOT 4 BLOCK 3
Legal Subdivision	MCCLURES LINDEN ADDN
Legal Block	3
Legal Lot Number	4
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3028
Census Tract	851102

Owner

856 W Highland Ave is owned and occupied by two individuals who bought it in October 2022.

Source: Kane County records, as of July 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	856 W HIGHLAND AVE, ELGIN, IL 60123-5355
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 5, 2022 · Amount on File
Deed Sale	Oct 5, 2022 · Amount on File
Prior Sale	Oct 29, 2013 · Amount on File
Deed Document Number	202249131
Prior Transfer Date	May 31, 2013
Prior Transfer Doc	0000076953
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 5, 2022
Property Address	856 W HIGHLAND AVE, ELGIN, IL 60123-5355
Document Number	0000049131
Instrument Date	Sep 22, 2022
Instrument	2022K049131
Transaction Type	Transfer
Record Updated	Oct 11, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$445.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	156 S GIFFORD ST, ELGIN, IL 60120-6554

Mortgage

Document Number	0000049132
Date	Oct 5, 2022
Instrument	2022K049132

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2052

Interest

Rate Type	Fixed Rate
Rate	6%

Tax Assessment & Valuation

The 2025 property tax bill for 856 W Highland Ave was $10,610 with a homeowner's exemption.

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	$10,610.00 Homeowner's exemption	$147,076 (+8.57%) Land $33,841 Building $113,235	$441,405 (+8.57%) Land $101,564 Building $339,841
2024		$135,467 Land $31,170 Building $104,297	$406,564 Land $93,547 Building $313,016
2022	$9,156.00 (+4.38%) Homeowner's exemption	$111,593 (+6.96%) Land $25,677 Building $85,916	$334,779 (+6.96%) Land $77,031 Building $257,748
2021	$8,772.00 Homeowner's exemption	$104,331 Land $24,006 Building $80,325	$312,993 Land $72,018 Building $240,975

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

FEMA maps place 856 W Highland Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1982.

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

The area around 856 W Highland Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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 574 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, Fixed Wireless in parts of the area	100 / 20