384 Saint Charles St, Elgin, IL 60120 Property Records

Kane County property record for 384 Saint Charles St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	6 bd · 2 ba · 2,472 sqft · built 1883
Lot Size	0.397 acres (17,280 sqft)
Owner	Individual Name on File
Last Sale	$231,000 (Aug 2019)
Tax Bill	$6,418 (2025)
Deeds & Mortgages	May 2021 Mortgage Aug 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-24-201-022`

Property Details

APN / Parcel Number

Primary APN	`06-24-201-022`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,472 sqft Living Area
Gross Area	3,748 sqft
Basement Area	1,276 sqft

Exterior

Year Built	Built 1883
Effective Year Built	Effective 1883
Construction Type	Frame
Lot Area	17,280 sqft (0.397 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	384 SAINT CHARLES ST
City	ELGIN
State	IL
Zip	60120-7991
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHERMANS ADDN SOUTH 1/2 LOT 5 BLOCK 5
Legal Subdivision	SHERMANS ADDN
Legal Block	5
Legal Lot Number	5
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4001
Census Tract	851400

Owner

384 Saint Charles St is owned and occupied by an individual who bought it in August 2019.

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

Owner of Record	Individual Name on File
Mailing Address	384 SAINT CHARLES ST, ELGIN, IL 60120-7991
Occupancy	Owner Occupied
Owner Type	Individual

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
May 7, 2021	Deed of Trust, Mortgage · FHA Mortgage COMPASS MORTGAGE INC
Aug 14, 2019	Warranty Deed, Transfer · FHA Mortgage COMPASS MORTGAGE INC
Jul 20, 2017	Warranty Deed, Transfer · Conventional Mortgage INLANTA MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2019 · Amount on File
Deed Sale	Aug 14, 2019 · Amount on File
Prior Sale	Jul 20, 2017 · Amount on File
Deed Document Number	201936528
Prior Transfer Date	Jun 25, 2002
Prior Transfer Doc	0000092375
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	384 SAINT CHARLES ST, ELGIN, IL 60120-7991
Transaction Type	Mortgage
Record Updated	May 18, 2021
Title Company	CARRINGTON TITLE PARTNERS LLC, CARRINGTON TTL PARTNERS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000035883
Date	May 7, 2021
Instrument	2021K035883

Lender

Name	COMPASS MORTGAGE INC
Type	Mortgage Company
Address	WARRENVILLE, IL 60555

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.75%

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 14, 2019
Property Address	384 SAINT CHARLES ST, ELGIN, IL 60120-7991
Document Number	0000036528
Instrument Date	Aug 8, 2019
Instrument	2019K036528
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$231.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	384 SAINT CHARLES ST, ELGIN, IL 60120-7991

Mortgage

Document Number	0000036529
Date	Aug 14, 2019
Instrument	2019K036529

Lender

Name	COMPASS MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Interest

Rate Type	Fixed Rate
Rate	3.5%

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 20, 2017
Property Address	384 SAINT CHARLES ST, ELGIN, IL 60120-7991
Document Number	0000037424
Instrument Date	Jun 28, 2017
Instrument	2017K037424
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$185.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	659 STATE RUN, ELGIN, IL 60124

Mortgage

Document Number	0000037425
Date	Jul 20, 2017
Instrument	2017K037425

Lender

Name	INLANTA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 384 Saint Charles St was $6,418 with a homeowner's exemption.

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	$6,418.00 Homeowner's exemption	$92,131 (+8.57%) Land $19,321 Building $72,810	$276,504 (+8.57%) Land $57,986 Building $218,517
2024		$84,859 Land $17,796 Building $67,063	$254,679 Land $53,409 Building $201,270
2022	$5,105.00 (+4.7%) Homeowner's exemption	$64,881 (+6.96%) Land $14,659 Building $50,222	$194,643 (+6.96%) Land $43,977 Building $150,666
2021	$4,876.00 Homeowner's exemption	$60,659 Land $13,705 Building $46,954	$181,977 Land $41,115 Building $140,862

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 384 Saint Charles St in Zone X, an area of minimal flood risk.

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

The area around 384 Saint Charles 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 515 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Fox Valley Internet, T-Mobile.

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