204 S State St, Elgin, IL 60123 Property Records

Kane County property record for 204 S State St, Elgin, IL 60123

Property Summary

Property Type	Exempt (Full or Partial)
Details	built 1904
Lot Size	2.75 acres (119,790 sqft)
Owner	Company Name on Record
Deeds & Mortgages	Jul 2021 Sale Nov 2020 Loan Modification + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-14-478-021`

Property Details

APN / Parcel Number

Primary APN	`06-14-478-021`

Exterior

Year Built	Built 1904
Effective Year Built	Effective 1904
Lot Area	119,790 sqft

Location & Zoning

Street Address	204 S STATE ST
City	ELGIN
State	IL
Zip	60123-6431
Property Category	Other
Property Type	Other > Exempt (Full or Partial)
Legal Description	B W RAYMONDS 2ND ADDN COUNTY CLERKS SUB B (EXCEPT BOOK 2108/467 & 468) & PART COUNTY CLERKS SUB A LYING E OF WOODARD ST (EXCEPT WEST 140 FT & EXCEPT PART DESC IN BOOK 2299/541 & BOOK 2499/109 LOTS 1 & 3
Legal Subdivision	COUNTY CLERKS SUB
Legal Block	1
Legal Lot Number	1,3
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1003
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	Company Name on Record
Mailing Address	204 S STATE ST, ELGIN, IL 60123-6431
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2021	Lease, Transfer TITLE SERVICES, INC., TITLE SERVICES INC
Nov 30, 2020	Loan Modification, Mortgage FIRST AMERICAN CAP GROUP CORP
May 28, 2020	Deed of Trust, Mortgage FIRST AMERICAN CAP GROUP CORP
Oct 31, 2019	Loan Modification, Mortgage FIRST AMERICAN CAP GROUP CORP
Jul 1, 2018	Loan Modification, Mortgage ST CHARLES BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 7, 2007
Transfer Doc	0000001972
Record Updated	Sep 20, 2026

July 2021: Lease, Transfer

Document Type	Lease
Jurisdiction	KANE IL
Recording Date	Jul 1, 2021
Property Address	204 S STATE ST, ELGIN, IL 60123-6431
Document Number	0000050769
Instrument Date	Jun 9, 2021
Instrument	2021K050769
Transaction Type	Transfer
Record Updated	Feb 2, 2023
Title Company	TITLE SERVICES, INC., TITLE SERVICES INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

November 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KANE IL
Property Address	204 S STATE ST, ELGIN, IL 60123-6431
Document Number	0000073807
Instrument Date	Nov 30, 2020
Transaction Type	Mortgage
Record Updated	Dec 16, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5611 DEMPSTER ST MORTON GROVE IL 600533109, MORTON GROVE, IL 60053-3109

Mortgage

Document Number	0000073807
Date	Nov 30, 2020
Instrument	73807

Lender

Name	FIRST AMERICAN CAP GROUP CORP
Address	GREAT NECK PLAZA, NY 11021

Agreement

Amount	Amount Recorded

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	204 S STATE ST, ELGIN, IL 60123-6431
Document Number	0000027474
Instrument Date	May 28, 2020
Transaction Type	Mortgage
Record Updated	Nov 18, 2020
Title Company	OTHER

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	204 S STATE ST ELGIN IL 601236431, ELGIN, IL 60123-6431

Mortgage

Document Number	0000027474
Date	May 28, 2020
Instrument	27474

Lender

Name	FIRST AMERICAN CAP GROUP CORP
Address	15 CANTERBURY RD # A5, GREAT NECK, NY 11021-2651

Agreement

Amount	Amount Recorded

Interest

Rate	3.65%

October 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KANE IL
Recording Date	Oct 31, 2019
Property Address	204 S STATE ST, ELGIN, IL 60123-6431
Instrument Date	Oct 31, 2019
Instrument	52478
Transaction Type	Mortgage
Record Updated	Nov 15, 2019
Title Company	TITLE SERVICES, INC.

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5611 DEMPSTER ST MORTON GROVE IL 600533109, MORTON GROVE, IL 60053-3109

Mortgage

Document Number	0000052478
Date	Oct 31, 2019
Instrument	52478

Lender

Name	FIRST AMERICAN CAP GROUP CORP
Address	15 CANTERBURY RD # A5, GREAT NECK, NY 11021-2651

Agreement

Amount	Amount Recorded

Interest

Rate	4.5%

July 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KANE IL
Property Address	204 S STATE ST, ELGIN, IL 60123-6431
Document Number	0000045856
Instrument Date	Jul 1, 2018
Transaction Type	Mortgage
Record Updated	Dec 15, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	204 S STATE ST ELGIN IL 601236431, ELGIN, IL 60123-6431

Mortgage

Document Number	0000045856
Date	Sep 19, 2018
Instrument	45856

Lender

Name	ST CHARLES BK&TR
Type	Bank
Address	411 W MAIN ST, ST CHARLES, IL 60174-1815

Agreement

Amount	Amount Recorded

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
2022	Additional exemption filed

Flood

Source: FEMA National Flood Hazard Layer, effective October 8, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 440 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Fox Valley Internet, Verizon.

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