Kane County property record for 420 S State St, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,328 sqft · built 1900 |
| Lot Size | 0.164 acres (7,165 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $202,000 (Nov 2018) |
| Tax Bill | $5,336 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Nov 2018 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-23-278-015 |
| Primary APN | 06-23-278-015 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,328 sqft Living Area |
| Gross Area | 3,492 sqft |
| Basement Area | 1,164 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Construction Type | Frame |
| Lot Area | 7,165 sqft (0.164 acres) |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|
| Street Address | 420 S STATE ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-3900 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LORDS 2ND ADD SLY 44.48 FT ON ELY LINE SOUTH 42.41 FT ON WLY LINE & 165 FT ON NLY LINE LOT 4 BLK 19 |
| Legal Subdivision | LORDS 2ND ADD |
| Legal Block | 3 |
| Legal Lot Number | 4 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 851600 |
Source: Kane County records, as of July 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 420 S STATE ST, ELGIN, IL 60123-3900 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 10, 2026 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Nov 9, 2018 | Warranty Deed, Transfer · FHA Mortgage BAY EQUITY |
| Aug 2, 2017 | Deed of Trust, Mortgage · Line of Credit CENTRUST BK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 9, 2018 · Amount on Record |
| Deed Sale | Nov 9, 2018 · Amount on Record |
| Prior Sale | Jan 21, 2011 · Amount on Record |
| Deed Document Number | 201854826 |
| Prior Transfer Date | Apr 4, 2011 |
| Prior Transfer Doc | 0000024018 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Apr 10, 2026 |
| Property Address | 420 S STATE ST, ELGIN, IL 60123-3900 |
| 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 |
| 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 | Nov 9, 2018 |
| Property Address | 420 S STATE ST, ELGIN, IL 60123-3900 |
| Document Number | 0000054826 |
| Instrument Date | Oct 16, 2018 |
| Instrument | 54826 |
| Transaction Type | Transfer |
| Record Updated | Nov 22, 2018 |
| Title Company | PETRA TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $303.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 420 S STATE ST ELGIN IL 601233900, ELGIN, IL 60123-3900 |
| Document Number | 54827 |
|---|---|
| Date | Nov 9, 2018 |
| Instrument | 54827 |
| Name | BAY EQUITY |
|---|---|
| Type | Funding / Finance Company |
| Address | SAUSALITO, CA 94965 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 8, 2048 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 420 S STATE ST, ELGIN, IL 60123-3900 |
| Document Number | 0000042440 |
| Instrument Date | Aug 2, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2017 |
| Title Company | PRECISION TITLE |
| Name | Verified Name |
|---|---|
| Address | 25 N WESTERN AVE PARK RIDGE IL 600683129, PARK RIDGE, IL 60068-3129 |
| Document Number | 0000042440 |
|---|---|
| Date | Aug 15, 2017 |
| Instrument | 42440 |
| Name | CENTRUST BK NA |
|---|---|
| Type | Bank |
| Address | NORTHBROOK, IL 60062 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
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 | $5,336.00 (+4.52%) Homeowner's exemption | $77,954 (+8.57%) Land $16,038 Building $61,916 | $233,956 (+8.57%) Land $48,133 Building $185,822 |
| 2024 | $5,105.00 (+20.46%) | $71,801 (+30.84%) Land $14,772 Building $57,029 | $215,489 (+30.9%) Land $44,334 Building $171,155 |
| 2022 | $4,238.00 (+4.88%) Homeowner's exemption | $54,875 (+6.96%) Land $12,168 Building $42,707 | $164,625 (+6.96%) Land $36,504 Building $128,121 |
| 2021 | $4,041.00 Homeowner's exemption | $51,304 Land $11,376 Building $39,928 | $153,912 Land $34,128 Building $119,784 |
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.
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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