15 N State St, Elgin, IL 60123 Property Records

Kane County property record for 15 N State St, Elgin, IL 60123

Property Summary

Property Type	Commercial
Details	3,960 sqft
Lot Size	0.3 acres (1,320 sqft)
Owner	Company Name on File
Last Sale	$105,000 (Mar 2018)
Tax Bill	$4,034 (2025)
Deeds & Mortgages	Dec 2018 Mortgage Mar 2018 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`06-14-426-005`

Property Details

APN / Parcel Number

Primary APN	`06-14-426-005`

Interior

Building Area	3,960 sqft Gross Area

Exterior

Lot Area	1,320 sqft (0.3 acres)

Location & Zoning

Street Address	15 N STATE ST
City	ELGIN
State	IL
Zip	60123-5546
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	W C KIMBALLS PLAT OF WEST ELGIN B LOT 2 BLOCK 23
Legal Subdivision	WEST ELGIN B
Legal Block	23
Legal Lot Number	2
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2025
Census Tract	854600

Owner

15 N State St, a commercial property, is owned by a company that bought it in March 2018.

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

Owner of Record	Company Name on File
Mailing Address	40W785 BOWES BEND DR, ELGIN, IL 60124-8324
Owner Type	Company
Vesting	Company

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

Date	Document
Dec 13, 2018	Deed of Trust, Mortgage STATE BK/GENEVA
Mar 23, 2018	Trustee's Deed, Foreclosure PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 23, 2018 · Amount on File
Deed Sale	Mar 23, 2018 · Amount on File
Prior Sale	Jan 2, 2002 · Amount on File
Deed Document Number	201813278
Prior Transfer Date	Mar 2, 2018
Prior Transfer Doc	0000013278
Record Updated	Oct 29, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	15 N STATE ST, ELGIN, IL 60123-5546
Document Number	0000060938
Instrument Date	Dec 13, 2018
Transaction Type	Mortgage
Record Updated	Jan 7, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	15 N STATE ST ELGIN IL 601235413, ELGIN, IL 60123-5413

Mortgage

Document Number	0000060938
Date	Dec 19, 2018
Instrument	60938

Lender

Name	STATE BK/GENEVA
Type	Bank
Address	GENEVA, IL 60134

Agreement

Amount	Amount on Record
Term	60 Months
Due	Dec 18, 2023

Interest

Rate	5.25%

March 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	KANE IL
Recording Date	Mar 23, 2018
Property Address	15 N STATE ST, ELGIN, IL 60123-5546
Document Number	0000013278
Instrument Date	Mar 2, 2018
Instrument	2018K013278
Transaction Type	Foreclosure
Record Updated	Aug 5, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$105.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Et Al (and Others)
Address	40W 785 COWESBEND DR, ELGIN, IL 00000

Mortgage

Document Number	0000013271
Date	Mar 23, 2018
Instrument	2018K013271

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 15 N State St was $4,034.

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	$4,034.00	$52,881 (+8.57%) Land $8,528 Building $44,353	$158,706 (+8.57%) Land $25,594 Building $133,112
2024		$48,707 Land $7,855 Building $40,852	$146,179 Land $23,574 Building $122,605
2022	$3,479.00 (+3.97%)	$40,123 (+6.96%) Land $6,470 Building $33,653	$120,369 (+6.96%) Land $19,410 Building $100,959
2021	$3,346.00	$37,512 Land $6,049 Building $31,463	$112,536 Land $18,147 Building $94,389

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 15 N State St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	2 (2007–2013)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Apr 2013 · Severe Storms, Straight-line Winds, 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

The area around 15 N State St 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 381 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
Fox Valley Internet Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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