416 S State St, Elgin, IL 60123 Property Records

Kane County property record for 416 S State St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 ba · 2,648 sqft · built 1960
Lot Size	0.157 acres (6,818 sqft)
Owner	Individual Name on Record
Tax Bill	$8,949 (2025)
Deeds & Mortgages	Apr 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-23-278-014`

Property Details

APN / Parcel Number

Primary APN	`06-23-278-014`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	2,648 sqft Living Area
Gross Area	3,972 sqft
Basement Area	1,324 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Brick
Lot Area	6,818 sqft (0.157 acres)

Location & Zoning

Street Address	416 S STATE ST
City	ELGIN
State	IL
Zip	60123-7657
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LORDS 2ND ADDN EXCEPT NORTH 42.94 FT OF LOT 3 EXCEPT SOUTH 44.48 FT ON EAST LINE SOUTH 42.41 FT ON WEST LINE & 165 FT ON NORTH LINE LOT 4 BLOCK 19
Legal Subdivision	LORDS 2ND ADDN
Legal Block	3
Legal Lot Number	3
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3002
Census Tract	851600

Owner

Source: Kane County records, as of July 23, 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	807 MARK LN, HAMPSHIRE, IL 60140-8278
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 19, 2003
Transfer Doc	0000211567
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	Apr 10, 2026
Property Address	416 S STATE ST, ELGIN, IL 60123-7657
Document Number	0000014508
Instrument Date	Mar 24, 2026
Instrument	202614508
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	CARRINGTON TITLE PARTNERS LLC, CARRINGTON TITLE PARTNERS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 S STATE ST, ELGIN, IL 60123-7606

Mortgage

Document Number	0000014508,
Date	Apr 10, 2026
Instrument	202614508

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.88%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

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	$8,949.00 (+15.95%)	$117,313 (+8.57%) Land $22,732 Building $94,581	$352,080 (+8.57%) Land $68,223 Building $283,857
2024		$108,053 (+21.39%) Land $20,938 Building $87,115	$324,289 (+21.44%) Land $62,839 Building $261,450
2022	$7,718.00 (+3.96%)	$89,011 (+6.96%) Land $17,248 Building $71,763	$267,033 (+6.96%) Land $51,744 Building $215,289
2021	$7,424.00	$83,219 Land $16,126 Building $67,093	$249,657 Land $48,378 Building $201,279

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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 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