4 N State St, Elgin, IL 60123 Property Records

Kane County property record for 4 N State St, Elgin, IL 60123 · Last verified July 2026

Property Summary

Property Type	Commercial
Lot Size	0.45 acres (1,980 sqft)
Owner	Company Name on File
Last Sale	$170,000 (Aug 2023)
Tax Bill	$5,321 (2025)
Deeds & Mortgages	Aug 2023 Sale & Line of Credit Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-14-406-012`

Property Details

APN / Parcel Number

Primary APN	`06-14-406-012`

Exterior

Lot Area	1,980 sqft (0.45 acres)
Lot Dimensions	90 ft deep x 22 ft wide

Location & Zoning

Street Address	4 N STATE ST
City	ELGIN
State	IL
Zip	60123-5414
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	W C KIMBALLS PLAT OF WEST ELGIN NORTH 22 FT SOUTH 44 FT EAST 90 FT LOT 12 BLOCK 29
Legal Subdivision	W C KIMBALLS PLAT
Legal Block	29
Legal Lot Number	12
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1000
Census Tract	851600

Owner

Source: Kane County records · APN 06-14-406-012

Assessment roll updated December 26, 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	Company Name on File
Mailing Address	4 CYPRESS SQ, ELGIN, IL 60123-2723
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2023	Warranty Deed, Transfer · Line of Credit SAUK VALLEY BANK & TRUST COMPANY
Aug 21, 2020	Deed of Trust, Mortgage · Commercial Mortgage COMMUNITY BANK OF ELMHURST
Aug 26, 2019	Warranty Deed, Transfer · Line of Credit COMMUNITY BK/ELMHURST

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 21, 2023 · Amount on Record
Deed Sale	Aug 21, 2023 · Amount on Record
Prior Sale	Aug 26, 2019 · Amount on Record
Record Updated	Sep 20, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 21, 2023
Property Address	4 N STATE ST, ELGIN, IL 60123-5414
Document Number	0000028713
Instrument Date	Aug 17, 2023
Instrument	2023K028713
Transaction Type	Transfer
Record Updated	Aug 30, 2023
Title Company	ATA/GMT TITLE AGENCY, ATA GMT TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$170.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1879 N NELTNOR BLVD # 117, 117, WEST CHICAGO, IL 60185-5932

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 CYPRESS SQ, ELGIN, IL 60123-2723

Mortgage

Document Number	0000028714
Date	Aug 21, 2023
Instrument	2023K028714

Lender

Name	SAUK VALLEY BANK & TRUST COMPANY
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Aug 18, 2028

Interest

Rate	7.05%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	4 N STATE ST, ELGIN, IL 60123-5414
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000047258
Date	Aug 21, 2020
Instrument	2020K047258

Lender

Name	COMMUNITY BANK OF ELMHURST
Type	Bank
Address	ELMHURST, IL 60126

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	17 Months
Due	Jan 10, 2022

Interest

Rate Type	Adjustable Rate
Min Rate At Change	5.25%
Index	6-Month LIBOR

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 26, 2019
Property Address	4 N STATE ST, ELGIN, IL 60123-5414
Document Number	0000038812
Instrument Date	Aug 09, 2019
Instrument	38812
Transaction Type	Transfer
Record Updated	Sep 05, 2019
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$202.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1879 N NELTNOR BLVD #117 WEST CHICAGO IL 601855932, 117, WEST CHICAGO, IL 60185-5932

Mortgage

Document Number	38813
Date	Aug 26, 2019
Instrument	38813

Lender

Name	COMMUNITY BK/ELMHURST
Type	Bank
Address	ELMHURST, IL 60126

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Aug 25, 2020

Interest

Rate Type	Adjustable Rate
Rate	5.25%

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated December 26, 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	$5,321.00 (+15.95%)
2024		$64,246 (+21.39%) Land $3,555 Building $60,691	$192,815 (+21.44%) Land $10,669 Building $182,146
2022	$4,589.00 (+3.96%)	$52,924 (+6.96%) Land $2,929 Building $49,995	$158,772 (+6.96%) Land $8,787 Building $149,985
2021	$4,414.00	$49,480 Land $2,738 Building $46,742	$148,440 Land $8,214 Building $140,226

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 381 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Radiate Holdings	Cable	1,500 / 50
Opiquad	Fixed Wireless (unlicensed)	100 / 20
AT&T	DSL	100 / 20

May also be available at this address: AT&T, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on N State St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures