220 S State St, Elgin, IL 60123 Property Records

Kane County property record for 220 S State St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	6 bd · 4.5 ba · 4,181 sqft · built 1890
Lot Size	0.423 acres (18,432 sqft)
Owner	2 Individuals on Record
Tax Bill	$8,626 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Apr 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-14-478-024`

Property Details

APN / Parcel Number

Primary APN	`06-14-478-024`

Interior

Bedrooms	6 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	4,181 sqft Living Area
Gross Area	6,324 sqft
Basement Area	2,143 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Brick
Lot Area	18,432 sqft (0.423 acres)
Lot Dimensions	256 ft deep x 72 ft wide
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	220 S STATE ST
City	ELGIN
State	IL
Zip	60123-6431
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LORDS PARK ADDN LOT 3
Legal Subdivision	LORDS PARK ADDN
Legal Block	1
Legal Lot Number	3
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1003
Census Tract	851600

Owner

Source: Kane County assessment roll, 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	2 Individuals on Record
Mailing Address	220 S STATE ST, ELGIN, IL 60123-6431
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage ASSOCIATED BANK NA
Apr 11, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage ASSOCIATED BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Mar 11, 2019
Transfer Doc	0000014031
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	220 S STATE ST, ELGIN, IL 60123-6431
Transaction Type	Mortgage
Record Updated	Sep 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000071095
Date	Sep 20, 2021
Instrument	2021K071095

Lender

Name	ASSOCIATED BANK NA
Type	Bank
Address	GREEN BAY, WI 54301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2036

April 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Apr 11, 2019
Property Address	220 S STATE ST, ELGIN, IL 60123-6431
Document Number	0000014031
Instrument Date	Mar 11, 2019
Instrument	2019K014031
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 S STATE ST, ELGIN, IL 60123-6431

Mortgage

Document Number	0000014032
Date	Apr 11, 2019
Instrument	2019K014032

Lender

Name	ASSOCIATED BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2049

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	Assessed Value	Assessed Market Value
2025	$8,626.00 (+14.43%) Homeowner's exemption Senior Citizen's exemption	$129,076 (+8.57%) Land $31,705 Building $97,371	$387,383 (+8.57%) Land $95,153 Building $292,230
2024		$118,887 (+21.39%) Land $29,202 Building $89,685	$356,804 (+21.44%) Land $87,641 Building $269,163
2022	$7,538.00 (+4.88%) Homeowner's exemption	$97,936 (+6.96%) Land $24,056 Building $73,880	$293,808 (+6.96%) Land $72,168 Building $221,640
2021	$7,187.00 Homeowner's exemption	$91,564 Land $22,491 Building $69,073	$274,692 Land $67,473 Building $207,219

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	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 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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