Kane County property record for 412 S State St, Elgin, IL 60123 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,404 sqft · built 1908 |
| Lot Size | 0.163 acres (7,085 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,521 (2025) |
| Deeds & Mortgages | Mar 2018 Mortgage Nov 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-23-278-013 |
| Primary APN | 06-23-278-013 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,404 sqft Living Area |
| Gross Area | 2,106 sqft |
| Basement Area | 702 sqft |
| Year Built | Built 1908 |
|---|---|
| Effective Year Built | Effective 1908 |
| Construction Type | Frame |
| Lot Area | 7,085 sqft (0.163 acres) |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Street Address | 412 S STATE ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-7606 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LORDS 2ND ADDN NORTH 42.94 FT LOT 3 BLOCK 19 |
| Legal Subdivision | LORDS 2ND ADDN |
| Legal Block | 19 |
| Legal Lot Number | 3 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 851600 |
Source: Kane County records · APN 06-23-278-013
Assessment roll updated July 23, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 412 S STATE ST, ELGIN, IL 60123-7606 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 27, 2018 | Deed of Trust, Mortgage · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Nov 19, 2021 | Intrafamily Transfer, Transfer · FHA Mortgage VILLAGE CAPITAL & INVESTMENT LLC |
| Aug 21, 2017 | Warranty Deed, Transfer · FHA Mortgage BBMC MORTGAGE LLC |
| Feb 06, 2017 | Warranty Deed, Transfer PRECISION TITLE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 19, 2021 |
| Deed Sale | Nov 19, 2021 |
| Prior Sale | Aug 21, 2017 · Amount on Record |
| Deed Document Number | 202187335 |
| Prior Transfer Date | Sep 13, 2021 |
| Prior Transfer Doc | 0000087335 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 412 S STATE ST, ELGIN, IL 60123-7606 |
| Transaction Type | Mortgage |
| Record Updated | Aug 05, 2022 |
| Title Company | RESOURCE REAL ESTATE SAERVIC |
| Name | Verified Name |
|---|
| Document Number | 0000013825 |
|---|---|
| Date | Mar 27, 2018 |
| Instrument | 2018K013825 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Address | ISELIN, NJ 08830 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2048 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Nov 19, 2021 |
| Property Address | 412 S STATE ST, ELGIN, IL 60123-7606 |
| Document Number | 0000087335 |
| Instrument Date | Sep 13, 2021 |
| Instrument | 2021K087335 |
| Transaction Type | Transfer |
| Record Updated | Aug 05, 2022 |
| Title Company | ORANGE COAST LENDER SERVICES LLC, ORANGE COAST LENDER SERVICES |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 412 S STATE ST, 412, ELGIN, IL 60123-7606 |
| Name | Verified Name |
|---|---|
| Address | 412 S STATE ST, ELGIN, IL 60123-7606 |
| Document Number | 0000087336 |
|---|---|
| Date | Nov 19, 2021 |
| Instrument | 2021K087336 |
| Name | VILLAGE CAPITAL & INVESTMENT LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Oct 01, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.25% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Aug 21, 2017 |
| Property Address | 412 S STATE ST, ELGIN, IL 60123-7606 |
| Document Number | 0000043547 |
| Instrument Date | Jul 27, 2017 |
| Instrument | 2017K043547 |
| Transaction Type | Transfer |
| Record Updated | Aug 05, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $196.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 412 S STATE ST, ELGIN, IL 60123-7606 |
| Document Number | 0000043548 |
|---|---|
| Date | Aug 21, 2017 |
| Instrument | 2017K043548 |
| Name | BBMC MORTGAGE LLC |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.87% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Feb 06, 2017 |
| Property Address | 412 S STATE ST, ELGIN, IL 60123-7606 |
| Document Number | 0000006893 |
| Instrument Date | Jan 27, 2017 |
| Instrument | 6893 |
| Transaction Type | Transfer |
| Record Updated | May 08, 2017 |
| Title Company | PRECISION TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $120.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2243 COTTONWOOD DR ELGIN IL 601238857, ELGIN, IL 60123-8857 |
Source: Kane County records · Assessment roll updated July 23, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
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 | $4,521.00 (+13.11%) Homeowner's exemption Senior Citizen's exemption | $75,264 (+8.57%) Land $15,540 Building $59,724 | $225,882 (+8.57%) Land $46,639 Building $179,244 |
| 2024 | $69,323 (+21.39%) Land $14,313 Building $55,010 | $208,052 (+21.44%) Land $42,956 Building $165,096 | |
| 2022 | $3,997.00 (+5.71%) Homeowner's exemption | $57,106 (+6.96%) Land $11,791 Building $45,315 | $171,318 (+6.96%) Land $35,373 Building $135,945 |
| 2021 | $3,781.00 Homeowner's exemption | $53,390 Land $11,024 Building $42,366 | $160,170 Land $33,072 Building $127,098 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 385 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 |
| Verizon | Fixed Wireless | 300 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| AT&T | DSL | 100 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.
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