870 Carr St, Elgin, IL 60123 Property Records

Kane County property record for 870 Carr St, Elgin, IL 60123 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,292 sqft · built 1950
Lot Size	0.236 acres (10,296 sqft)
Owner	2 Individual Names on File
Last Sale	$240,000 (Mar 2023)
Tax Bill	$5,898 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-14-355-014`

Property Details

APN / Parcel Number

Primary APN	`06-14-355-014`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	5 Stories
Building Area	1,292 sqft Living Area
Gross Area	2,020 sqft
Basement Area	728 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Construction Type	Frame
Lot Area	10,296 sqft (0.236 acres)
Lot Dimensions	198 ft deep x 52 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	870 CARR ST
City	ELGIN
State	IL
Zip	60123-6146
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WASHINGTON HEIGHTS ADDN LOT 14 BLOCK 38
Legal Subdivision	ASHINGTON HEIGHTS ADDN
Legal Block	38
Legal Lot Number	14
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3010
Census Tract	851101

Owner

Source: Kane County records · APN 06-14-355-014

Assessment roll updated August 25, 2025 · Last verified July 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 File
Mailing Address	870 CARR ST, ELGIN, IL 60123-6146
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 07, 2023	Warranty Deed, Transfer · Conventional Mortgage THE FEDERAL SAVINGS BANK
Aug 31, 2021	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Nov 18, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage ROYAL UNITED MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 07, 2023 · Amount on Record
Deed Sale	Mar 07, 2023 · Amount on Record
Prior Sale	Aug 31, 2021 · Amount on Record
Deed Document Number	20236970
Prior Transfer Date	Aug 30, 2019
Prior Transfer Doc	0000055733
Record Updated	Sep 20, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Mar 07, 2023
Property Address	870 CARR ST, ELGIN, IL 60123-6146
Document Number	0000006970
Instrument Date	Feb 14, 2023
Instrument	2023K006970
Transaction Type	Transfer
Record Updated	Mar 14, 2023
Title Company	BAIRD AND WARNER TITLE SERVICES INC, BAIRD & WARNER TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	870 CARR ST, ELGIN, IL 60123-6146

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	810 CARR ST, ELGIN, IL 60123

Mortgage

Document Number	0000006971
Date	Mar 07, 2023
Instrument	2023K006971

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 01, 2028
Change Frequency	Annually
Min Rate At Change	6.37%
Max Rate At Change	11.3%
Index	Other
Max Rate	11.3%

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 31, 2021
Property Address	870 CARR ST, ELGIN, IL 60123-6146
Document Number	0000066403
Instrument Date	Aug 17, 2021
Instrument	2021K066403
Transaction Type	Transfer
Record Updated	Sep 07, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$225.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	870 CARR ST, 870, ELGIN, IL 60123-6146

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	870 CARR ST, ELGIN, IL 60123-6146

Mortgage

Document Number	0000066404
Date	Aug 31, 2021
Instrument	2021K066404

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2051

Interest

Rate	3.12%

November 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Nov 18, 2019
Property Address	870 CARR ST, ELGIN, IL 60123-6146
Document Number	0000055733
Instrument Date	Aug 30, 2019
Instrument	2019K055733
Transaction Type	Transfer
Record Updated	Jul 27, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	870 CARR ST, ELGIN, IL 60123-6146

Mortgage

Document Number	0000055734
Date	Nov 18, 2019
Instrument	2019K055734

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Oct 01, 2029

Interest

Rate Type	Fixed Rate
Rate	5%

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,898.00 (+15.83%)
2024		$78,578 (+21.4%) Land $17,447 Building $61,131	$235,828 (+21.44%) Land $52,362 Building $183,466
2022	$5,092.00 (+4.71%) Homeowner's exemption	$64,729 (+6.96%) Land $14,372 Building $50,357	$194,187 (+6.96%) Land $43,116 Building $151,071
2021	$4,863.00 Homeowner's exemption	$60,517 Land $13,437 Building $47,080	$181,551 Land $40,311 Building $141,240

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 637 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Radiate Holdings	Cable	1,500 / 50
AT&T	DSL	100 / 20

May also be available at this address: Verizon, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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