Kane County property record for 424 S State St, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,716 sqft · built 1930 |
| Lot Size | 0.189 acres (8,250 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $180,000 (Aug 2018) |
| Tax Bill | $6,492 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit Nov 2025 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-23-278-016 |
| Primary APN | 06-23-278-016 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 5 Stories |
| Building Area | 1,716 sqft Living Area |
| Gross Area | 2,860 sqft |
| Basement Area | 1,144 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Exterior Material | Brick |
| Lot Area | 8,250 sqft (0.189 acres) |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 424 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 50 FT LOT 5 BLOCK 19 |
| Legal Subdivision | LORDS 2ND ADDN |
| Legal Block | 19 |
| Legal Lot Number | 5 |
| 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 shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 424 S STATE ST, ELGIN, IL 60123-7606 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Mar 9, 2026 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK WESTERN MICHIGAN |
| Nov 24, 2025 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK WESTERN MICHIGAN |
| Mar 17, 2022 | Quit Claim Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Jun 14, 2021 | Intrafamily Transfer, Transfer |
| Aug 21, 2018 | Warranty Deed, Transfer · FHA Mortgage MIDWEST COMMUNITY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 21, 2018 · Amount on Record |
| Deed Sale | Aug 21, 2018 · Amount on Record |
| Prior Sale | May 28, 1998 · Amount on Record |
| Deed Document Number | 201841061 |
| Last Transfer Date | Jun 2, 2021 |
| Transfer Doc | 0000045258 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 424 S STATE ST, ELGIN, IL 60123-7606 |
| Transaction Type | Mortgage |
| Record Updated | Mar 18, 2026 |
| Name | Verified Name |
|---|---|
| Address | 424 S STATE ST, ELGIN, IL 60123-7606 |
| Document Number | 0000009379 |
|---|---|
| Date | Mar 9, 2026 |
| Instrument | 2026K009379 |
| Name | FIFTH THIRD BANK WESTERN MICHIGAN |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Jan 25, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 424 S STATE ST, ELGIN, IL 60123-7606 |
| Transaction Type | Mortgage |
| Record Updated | Dec 3, 2025 |
| Name | Verified Name |
|---|---|
| Address | 424 S STATE ST, ELGIN, IL 60123-7606 |
| Document Number | 0000046627 |
|---|---|
| Date | Nov 24, 2025 |
| Instrument | 2025K046627 |
| Name | FIFTH THIRD BANK WESTERN MICHIGAN |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 25, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Mar 17, 2022 |
| Property Address | 424 S STATE ST, ELGIN, IL 60123-7606 |
| Document Number | 0000015030 |
| Instrument Date | Feb 24, 2022 |
| Instrument | 2022K015030 |
| Transaction Type | Transfer |
| Record Updated | Mar 28, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 171 OLD FARM LN, 171, CARPENTERSVILLE, IL 60110-1461 |
| Name | Verified Name |
|---|---|
| Address | 4N230 RANDALL RD, SAINT CHARLES, IL 60175-5041 |
| Document Number | 0000014974 |
|---|---|
| Date | Mar 17, 2022 |
| Instrument | 2022K014974 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Feb 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jun 14, 2021 |
| Property Address | 424 S STATE ST, ELGIN, IL 60123-7606 |
| Document Number | 0000045258 |
| Instrument Date | Jun 2, 2021 |
| Instrument | 2021K045258 |
| Transaction Type | Transfer |
| Record Updated | Jun 28, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 424 S STATE ST, ELGIN, IL 60123-7606 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Aug 21, 2018 |
| Property Address | 424 S STATE ST, ELGIN, IL 60123-7606 |
| Document Number | 0000041061 |
| Instrument Date | Jul 31, 2018 |
| Instrument | 2018K041061 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | CHICAGO TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $180.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 424 S STATE ST, 424, ELGIN, IL 60123-7606 |
| Name | Verified Name |
|---|---|
| Address | 424 S STATE ST, ELGIN, IL 60123-7606 |
| Document Number | 0000041062 |
|---|---|
| Date | Aug 21, 2018 |
| Instrument | 2018K041062 |
| Name | MIDWEST COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2048 |
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 | $6,492.00 (+15.83%) Homeowner's exemption | $93,104 (+8.57%) Land $16,410 Building $76,694 | $279,424 (+8.57%) Land $49,250 Building $230,174 |
| 2024 | $85,755 (+21.39%) Land $15,115 Building $70,640 | $257,368 (+21.44%) Land $45,363 Building $212,005 | |
| 2022 | $5,605.00 (+4.63%) Homeowner's exemption | $70,642 (+6.96%) Land $12,451 Building $58,191 | $211,926 (+6.96%) Land $37,353 Building $174,573 |
| 2021 | $5,357.00 Homeowner's exemption | $66,045 Land $11,641 Building $54,404 | $198,135 Land $34,923 Building $163,212 |
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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