432 North St, Elgin, IL 60120 Property Records

Kane County property record for 432 North St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,774 sqft · built 1900
Lot Size	0.185 acres (8,045 sqft)
Owner	2 Individual Names on File
Last Sale	$130,000 (Nov 2019)
Tax Bill	$6,252 (2025)
Deeds & Mortgages	Jun 2018 Mortgage Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-13-177-014`

Property Details

APN / Parcel Number

Primary APN	`06-13-177-014`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	5 Stories
Building Area	1,774 sqft Living Area
Gross Area	2,842 sqft
Basement Area	1,068 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Foundation Type	Raised
Lot Area	8,045 sqft (0.185 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	432 NORTH ST
City	ELGIN
State	IL
Zip	60120-5632
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	B W RAYMONDS ADDN EAST 4 RODS WEST 8 RODS EXCEPT NORTH 68 FT LOT 13
Legal Subdivision	B W RAYMONDS ADDN
Legal Block	1
Legal Lot Number	13
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1007
Census Tract	851301

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Elgin Historic District listed 1983 · 327 contributing resources · NRIS 83000318

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

432 North St is owned and occupied by two individuals who acquired it in August 2024.

Source: Kane County records, as of July 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	432 NORTH ST, ELGIN, IL 60120-5632
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2018	Deed of Trust, Mortgage · Commercial Mortgage FIRST MIDWEST BANK
Nov 7, 2019	Warranty Deed, Transfer · Conventional Mortgage ALTERRA HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 7, 2019 · Amount on File
Deed Sale	Nov 7, 2019 · Amount on File
Prior Sale	Apr 7, 2010 · Amount on File
Deed Document Number	201953862
Last Transfer Date	Aug 7, 2024
Transfer Doc	0000036035
Record Updated	Oct 29, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	432 NORTH ST, ELGIN, IL 60120-5632
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030132
Date	Jun 25, 2018
Instrument	2018K030132

Lender

Name	FIRST MIDWEST BANK
Type	Bank
Address	GURNEE, IL 60031

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 29, 2033

Interest

Rate	3.27%

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Nov 7, 2019
Property Address	432 NORTH ST, ELGIN, IL 60120-5632
Document Number	0000053862
Instrument Date	Oct 26, 2019
Instrument	53862
Transaction Type	Transfer
Record Updated	Nov 22, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$195.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 NORTH ST ELGIN IL 601205632, ELGIN, IL 60120-5632

Mortgage

Document Number	53863
Date	Nov 7, 2019
Instrument	53863

Lender

Name	ALTERRA HM LNS
Address	LAS VEGAS, NV 89145

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 6, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 432 North St was $6,252.

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	$6,252.00	$89,953 (+8.57%) Land $15,438 Building $74,515	$269,967 (+8.57%) Land $46,333 Building $223,634
2024		$82,852 Land $14,219 Building $68,633	$248,655 Land $42,674 Building $205,981
2022	$5,397.00 (+4.65%) Homeowner's exemption	$68,251 (+6.96%) Land $11,713 Building $56,538	$204,753 (+6.96%) Land $35,139 Building $169,614
2021	$5,157.00 Homeowner's exemption	$63,810 Land $10,951 Building $52,859	$191,430 Land $32,853 Building $158,577

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

FEMA maps place 432 North St in Zone X, an area of minimal flood risk.

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

The area around 432 North St has no burnable land within ember reach, so its wildfire risk is not rated.

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 625 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
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

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

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