Kane County property record for 406 S State St, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,832 sqft · built 1913 |
| Lot Size | 0.242 acres (10,554 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $135,000 (Jun 2017) |
| Tax Bill | $6,695 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Jun 2017 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-23-278-012 |
| Primary APN | 06-23-278-012 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,832 sqft Living Area |
| Gross Area | 2,748 sqft |
| Basement Area | 916 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1913 |
|---|---|
| Effective Year Built | Effective 1913 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Lot Area | 10,554 sqft (0.242 acres) |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Street Address | 406 S STATE ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-7606 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LORDS 2ND ADDN LOT 2 BLOCK 19 |
| Legal Subdivision | LORDS 2ND ADDN |
| Legal Block | 19 |
| Legal Lot Number | 2 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 851600 |
Source: Kane County records, as of September 24, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 406 S STATE ST, ELGIN, IL 60123-7606 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 10, 2026 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Jun 22, 2017 | Warranty Deed, Transfer · Conventional Mortgage INLANTA MORTGAGE INC |
| Apr 21, 2017 | Warranty Deed, Transfer FIRST AMERICAN TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 22, 2017 · Amount on Record |
| Deed Sale | Jun 22, 2017 · Amount on Record |
| Prior Sale | Apr 21, 2017 · Amount on Record |
| Deed Document Number | 201732026 |
| Prior Transfer Date | Apr 18, 2015 |
| Prior Transfer Doc | 0000030078 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Apr 10, 2026 |
| Property Address | 406 S STATE ST, ELGIN, IL 60123-7606 |
| Document Number | 0000014508 |
| Instrument Date | Mar 24, 2026 |
| Instrument | 202614508 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2026 |
| Title Company | CARRINGTON TITLE PARTNERS LLC, CARRINGTON TITLE PARTNERS |
| Name | Verified Name |
|---|---|
| Address | 406 S STATE ST, ELGIN, IL 60123-7606 |
| Document Number | 0000014508, |
|---|---|
| Date | Apr 10, 2026 |
| Instrument | 202614508 |
| Name | LOANDEPOT.COM LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.88% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jun 22, 2017 |
| Property Address | 406 S STATE ST, ELGIN, IL 60123-7606 |
| Document Number | 0000032026 |
| Instrument Date | Jun 6, 2017 |
| Instrument | 2017K032026 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | FIDELITY NATIONAL TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $135.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 406 S STATE ST, ELGIN, IL 60123-7606 |
| Document Number | 0000032027 |
|---|---|
| Date | Jun 22, 2017 |
| Instrument | 2017K032027 |
| Name | INLANTA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Apr 21, 2017 |
| Property Address | 406 S STATE ST, ELGIN, IL 60123-7606 |
| Document Number | 0000019977 |
| Instrument Date | Mar 28, 2017 |
| Instrument | 19977 |
| Transaction Type | Transfer |
| Record Updated | May 24, 2017 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $177.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 216 WAVERLY DR ELGIN IL 601204699, ELGIN, IL 60120-4699 |
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,695.00 (+4.32%) Homeowner's exemption | $95,763 (+8.57%) Land $19,861 Building $75,902 | $287,404 (+8.57%) Land $59,607 Building $227,797 |
| 2024 | $6,418.00 (+11.04%) | $88,204 (+21.39%) Land $18,293 Building $69,911 | $264,718 (+21.44%) Land $54,901 Building $209,817 |
| 2022 | $5,780.00 (+4.62%) Homeowner's exemption | $72,659 (+6.96%) Land $15,069 Building $57,590 | $217,977 (+6.96%) Land $45,207 Building $172,770 |
| 2021 | $5,525.00 Homeowner's exemption | $67,931 Land $14,088 Building $53,843 | $203,793 Land $42,264 Building $161,529 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 385 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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