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413 S State St, Elgin, IL 60123 Property Records

Kane County property record for 413 S State St, Elgin, IL 60123

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 986 sqft · built 1900
Lot Size0.142 acres (6,200 sqft)
OwnerIndividual Name on File
Last Sale$107,000 (Jul 2000)
Tax Bill$3,531 (2025)
Deeds & MortgagesDec 2021 Mortgage
Dec 2018 Line of Credit
Flood ZoneZone X (minimal risk)
APN06-24-151-003

Property Details

APN / Parcel Number

Primary APN06-24-151-003

Interior

Bedrooms2 Beds
Full Baths1 Bath
Total Rooms5 Rooms
Stories1 Story
Building Area986 sqft Living Area
Gross Area1,972 sqft
1st Floor Area986 sqft
Basement Area986 sqft

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 1900
Construction TypeFrame
Lot Area6,200 sqft (0.142 acres)
Lot Dimensions124 ft deep x 50 ft wide
Garage TypeDetached
Parking Spaces1 Parking Space

Location & Zoning

Street Address413 S STATE ST
CityELGIN
StateIL
Zip60123-7605
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionWALTER L PEASES SUB LOT 30 OF B W RAYMONDS 2ND ADDN SOUTH 50 FT LOTS 1 & 2
Legal SubdivisionWALTER L PEASES SUB
Legal Block3
Legal Lot Number1-2,3
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group3
Census Block3003
Census Tract851600

Owner

Source: Kane County records · APN 06-24-151-003

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 RecordIndividual Name on File
Mailing Address413 S STATE ST, ELGIN, IL 60123-7605
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 30, 2021Deed of Trust, Mortgage · Conventional Mortgage
OLD SECOND NATIONAL BANK
Dec 11, 2018Deed of Trust, Mortgage · Line of Credit
OLD SECOND NAT'L BK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJul 14, 2000 · Amount on Record
Deed SaleJul 14, 2000 · Amount on Record
Deed Document Number200055738
Prior Transfer DateSep 21, 1998
Prior Transfer Doc0000087175
Record UpdatedSep 20, 2026

December 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address413 S STATE ST, ELGIN, IL 60123-7605
Transaction TypeMortgage
Record UpdatedJan 13, 2022
Title CompanyAF TITLE COMPANY, FOX TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000096520
DateDec 30, 2021
Instrument2021K096520
Lender
NameOLD SECOND NATIONAL BANK
TypeBank
AddressAURORA, IL 60506
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueJan 01, 2037

December 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address413 S STATE ST, ELGIN, IL 60123-7605
Document Number0000061162
Instrument DateDec 11, 2018
Transaction TypeMortgage
Record UpdatedJan 02, 2019

Transferred To (Grantee/Buyer)

NameVerified Name
Address413 S STATE ST ELGIN IL 601237605, ELGIN, IL 60123-7605

Mortgage

Document Number0000061162
DateDec 20, 2018
Instrument61162
Lender
NameOLD SECOND NAT'L BK
TypeBank
AddressELGIN, IL 60124
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueDec 19, 2048
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionElgin Township
MunicipalityElgin City
Unified School DistrictSchool 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.

YearTax BillAssessed ValueAssessed Market Value
2025$3,531.00 (+15.73%) Homeowner's exemption
2024$50,002 (+21.39%) Land $12,031 Building $37,971$150,066 (+21.44%) Land $36,107 Building $113,959
2022$3,051.00 (+5.21%) Homeowner's exemption$41,190 (+6.96%) Land $9,911 Building $31,279$123,570 (+6.96%) Land $29,733 Building $93,837
2021$2,900.00 Homeowner's exemption$38,510 Land $9,266 Building $29,244$115,530 Land $27,798 Building $87,732

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskNot 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

ProviderMax 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, water system IL0894380, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemELGIN
serves 114,797 people
Water SourceSurface water
Last State InspectionAug 2025
Lead19 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting8
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.

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