376 S State St, Elgin, IL 60123 Property Records

Kane County property record for 376 S State St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	6 bd · 4 ba · 2,573 sqft · built 1875
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$272,000 (Dec 2005)
Tax Bill	$8,221 (2025)
Deeds & Mortgages	Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-23-235-011`

Property Details

APN / Parcel Number

Primary APN	`06-23-235-011`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,573 sqft Living Area
Gross Area	3,835 sqft
Basement Area	1,262 sqft

Exterior

Year Built	Built 1875
Effective Year Built	Effective 1875
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	165 ft deep x 66 ft wide
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	376 S STATE ST
City	ELGIN
State	IL
Zip	60123-7604
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ASSESSORS SUB OF PART OF FARM LOT 5 & LOTS 6, 7, & 8 OF THE NORTHEAST 1/4 SEC 23 & PART SOUTHEAST 1/4 SEC 14 LOT 21
Legal Subdivision	ASSESSORS SUB
Legal Block	3
Legal Lot Number	5,6,7
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3001
Census Tract	851600

Owner

Source: Kane County records · APN 06-23-235-011

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	376 S STATE ST, ELGIN, IL 60123-7604
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 16, 2005 · Amount on Record
Deed Sale	Dec 16, 2005 · Amount on Record
Prior Sale	May 03, 2001 · Amount on Record
Deed Document Number	2005149843
Last Transfer Date	Aug 23, 2016
Transfer Doc	0000064563
Record Updated	Sep 20, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	376 S STATE ST, ELGIN, IL 60123-7604
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000841
Date	Jan 07, 2020
Instrument	2020K000841

Lender

Name	FIRST AMERICAN BANK
Type	Bank
Address	HAMPSHIRE, IL 60140

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2050

Interest

Rate Type	Fixed Rate
Rate	5.12%

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	$8,221.00 (+25.24%)
2024		$99,262 (+31.12%) Land $18,293 Building $80,969	$297,905 (+31.17%) Land $54,901 Building $243,004
2022	$6,564.00 (+3.96%)	$75,704 (+6.96%) Land $15,069 Building $60,635	$227,112 (+6.96%) Land $45,207 Building $181,905
2021	$6,314.00	$70,777 Land $14,088 Building $56,689	$212,331 Land $42,264 Building $170,067

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 8, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Radiate Holdings Cable	1,500 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

Based on FCC filings for 385 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ELGIN serves 114,797 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.