422 Saint Charles St, Elgin, IL 60120 Property Records

Kane County property record for 422 Saint Charles St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,459 sqft · built 1900
Lot Size	0.123 acres (5,340 sqft)
Owner	Individual Name on Record
Last Sale	$109,500 (Oct 2018)
Tax Bill	$4,944 (2025)
Deeds & Mortgages	Feb 2021 Line of Credit Oct 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-24-203-023`

Property Details

APN / Parcel Number

Primary APN	`06-24-203-023`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,459 sqft Living Area
Gross Area	2,278 sqft
Basement Area	819 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	5,340 sqft (0.123 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	422 SAINT CHARLES ST
City	ELGIN
State	IL
Zip	60120-7828
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHERMANS ADD - EAST 120.75 FT LOT 1 (EX N 64 FT & EX S 37 FT THEREOF) LOT 1 BLK 4
Legal Subdivision	SHERMANS ADD
Legal Block	4
Legal Lot Number	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4004
Census Tract	851400

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	422 SAINT CHARLES ST, ELGIN, IL 60120-7828
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2021	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Oct 22, 2019	Quit Claim Deed, Transfer OTHER
Oct 1, 2018	Warranty Deed, Transfer · Conventional Mortgage COMPASS MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2018 · Amount on Record
Deed Sale	Oct 1, 2018 · Amount on Record
Prior Sale	Apr 20, 2009 · Amount on Record
Deed Document Number	201847859
Last Transfer Date	Oct 10, 2019
Transfer Doc	0000050298
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	422 SAINT CHARLES ST, ELGIN, IL 60120-7828
Transaction Type	Mortgage
Record Updated	Mar 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012019
Date	Feb 16, 2021
Instrument	2021K012019

Lender

Name	PNC BANK NA
Type	Bank
Address	CLEVELAND, OH 44101

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Jan 26, 2061

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Oct 22, 2019
Property Address	422 SAINT CHARLES ST, ELGIN, IL 60120-7828
Document Number	0000050298
Instrument Date	Oct 10, 2019
Instrument	50298
Transaction Type	Transfer
Record Updated	Nov 5, 2019
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	422 SAINT CHARLES ST #SR ELGIN IL 601207828, SR, ELGIN, IL 60120-7828

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 1, 2018
Property Address	422 SAINT CHARLES ST, ELGIN, IL 60120-7828
Document Number	0000047859
Instrument Date	Aug 21, 2018
Instrument	2018K047859
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$109.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	422 SAINT CHARLES ST, ELGIN, IL 60120-7828

Mortgage

Document Number	0000047860
Date	Oct 1, 2018
Instrument	2018K047860

Lender

Name	COMPASS MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2048

Interest

Rate Type	Fixed Rate
Rate	4.87%

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	$4,944.00 (+15.78%) Homeowner's exemption	$72,812 (+8.57%) Land $10,984 Building $61,828	$218,523 (+8.57%) Land $32,965 Building $185,558
2024		$67,065 (+21.39%) Land $10,117 Building $56,948	$201,276 (+21.44%) Land $30,363 Building $170,912
2022	$4,270.00 (+4.86%) Homeowner's exemption	$55,246 (+6.96%) Land $8,334 Building $46,912	$165,738 (+6.96%) Land $25,002 Building $140,736
2021	$4,072.00 Homeowner's exemption	$51,651 Land $7,792 Building $43,859	$154,953 Land $23,376 Building $131,577

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.

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 515 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Fox Valley Internet, T-Mobile.

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