245 S State St, Elgin, IL 60123 Property Records

Kane County property record for 245 S State St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,260 sqft · built 1930
Lot Size	0.16 acres (6,960 sqft)
Owner	2 Individual Names on Record
Last Sale	$175,000 (Jul 2019)
Tax Bill	$5,079 (2025)
Deeds & Mortgages	Jul 2019 Sale & Mortgage Oct 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-13-357-003`

Property Details

APN / Parcel Number

Primary APN	`06-13-357-003`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,260 sqft Living Area
Gross Area	2,520 sqft
1st Floor Area	1,260 sqft
Basement Area	1,260 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Construction Type	Frame
Lot Area	6,960 sqft (0.16 acres)

Location & Zoning

Street Address	245 S STATE ST
City	ELGIN
State	IL
Zip	60123-0702
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MOTES SUB LOT 3
Legal Subdivision	MOTES SUB
Legal Block	1
Legal Lot Number	3
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1002
Census Tract	851500

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	245 S STATE ST, ELGIN, IL 60123-0702
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 25, 2019	Warranty Deed, Transfer · Conventional with PMI NEIGHBORHOOD LOANS
Oct 1, 2018	Special Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC
Feb 1, 2018	Grant Deed, Foreclosure ATTORNEY ONLY
Aug 10, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 25, 2019 · Amount on Record
Deed Sale	Jul 25, 2019 · Amount on Record
Prior Sale	Aug 10, 2017
Deed Document Number	201932749
Prior Transfer Date	Mar 10, 2015
Prior Transfer Doc	0000011554
Record Updated	Oct 29, 2026

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 25, 2019
Property Address	245 S STATE ST, ELGIN, IL 60123-0702
Document Number	0000032749
Instrument Date	Jul 8, 2019
Instrument	32749
Transaction Type	Transfer
Record Updated	Aug 2, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$262.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	19 SHERIDAN ST ELGIN IL 601236235, ELGIN, IL 60123-6235

Mortgage

Document Number	32750
Date	Jul 25, 2019
Instrument	32750

Lender

Name	NEIGHBORHOOD LOANS
Type	Funding / Finance Company
Address	LOMBARD, IL 60148

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 24, 2049

Interest

Rate Type	Fixed Rate
Rate	4.62%

October 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 1, 2018
Property Address	245 S STATE ST, ELGIN, IL 60123-0702
Document Number	0000047798
Instrument Date	Aug 30, 2018
Instrument	2018K047798
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	418 ILLINOIS AVE, ELGIN, IL 60120-7913

Mortgage

Document Number	0000047799
Date	Oct 1, 2018
Instrument	2018K047799

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2048

Interest

Rate Type	Fixed Rate
Rate	5.87%

February 2018: Grant Deed, Foreclosure

Document Type	Grant Deed
Jurisdiction	KANE IL
Recording Date	Feb 1, 2018
Property Address	245 S STATE ST, ELGIN, IL 60123-0702
Document Number	0000005450
Instrument Date	Aug 18, 2017
Instrument	5450
Transaction Type	Foreclosure
Record Updated	Feb 14, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

August 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	KANE IL
Recording Date	Aug 10, 2017
Property Address	245 S STATE ST, ELGIN, IL 60123-0702
Document Number	0000041716
Instrument Date	Aug 1, 2017
Instrument	41716
Transaction Type	Foreclosure
Record Updated	Sep 7, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	3415 VISION DR COLUMBUS OH 432196009, COLUMBUS, OH 43219-6009
Investor	Possibly a Property Investor

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	$5,079.00 (+15.8%) Homeowner's exemption	$74,582 (+8.57%) Land $19,669 Building $54,913	$223,836 (+8.57%) Land $59,031 Building $164,805
2024		$68,694 (+21.4%) Land $18,116 Building $50,578	$206,164 (+21.44%) Land $54,370 Building $151,795
2022	$4,386.00 (+4.83%) Homeowner's exemption	$56,587 (+6.96%) Land $14,923 Building $41,664	$169,761 (+6.96%) Land $44,769 Building $124,992
2021	$4,184.00 Homeowner's exemption	$52,905 Land $13,952 Building $38,953	$158,715 Land $41,856 Building $116,859

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

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 Policies	7 in force

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

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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