Kane County property record for 432 S State St, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,370 sqft · built 1923 |
| Lot Size | 0.2 acres (8,715 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $172,000 (Mar 2017) |
| Tax Bill | $6,995 (2025) |
| Deeds & Mortgages | Sep 2025 Transfer Mar 2017 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-23-278-017 |
| Primary APN | 06-23-278-017 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 5 Stories |
| Building Area | 2,370 sqft Living Area |
| Gross Area | 3,950 sqft |
| Basement Area | 1,580 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1923 |
|---|---|
| Effective Year Built | Effective 1923 |
| Exterior Material | Brick |
| Lot Area | 8,715 sqft (0.2 acres) |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 432 S STATE ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-7609 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LORDS 2ND ADD SLY 14.37 FT EAST LINE & 12.5 FT ON WLY LINE LOT 5 & NLY 35.63 FT ON ELY LINE & 37.5 FT ON WLY LINE LOT 6 BLK 19 |
| Legal Subdivision | LORDS 2ND ADD |
| Legal Block | 3 |
| 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 | 432 S STATE ST, ELGIN, IL 60123-7609 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Sep 17, 2025 | Quit Claim Deed, Transfer Quitclaim |
| Mar 20, 2017 | Affidavit of Death, Transfer ATTORNEY'S TITLE, ATTORNEYS TITLE GUARANTY FUND |
| Mar 20, 2017 | Warranty Deed, Transfer · Conventional Mortgage EMERALD MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 20, 2017 · Amount on Record |
| Deed Sale | Mar 20, 2017 · Amount on Record |
| Prior Sale | Nov 5, 2010 · Amount on Record |
| Deed Document Number | 201713979 |
| Prior Transfer Date | Mar 4, 2016 |
| Prior Transfer Doc | 0000013978 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Sep 17, 2025 |
| Property Address | 432 S STATE ST, ELGIN, IL 60123-7609 |
| Document Number | 0000035829 |
| Instrument Date | Jul 21, 2025 |
| Instrument | 2025K035829 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 432 8 STATE STREET, 8, ELGIN, IL 60123 |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Mar 20, 2017 |
| Property Address | 432 S STATE ST, ELGIN, IL 60123-7609 |
| Document Number | 0000013978 |
| Instrument Date | Mar 10, 2017 |
| Instrument | 13978 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2017 |
| Title Company | ATTORNEY'S TITLE, ATTORNEYS TITLE GUARANTY FUND |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 432 S STATE ST ELGIN IL 601237609, ELGIN, IL 60123-7609 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Mar 20, 2017 |
| Property Address | 432 S STATE ST, ELGIN, IL 60123-7609 |
| Document Number | 0000013979 |
| Instrument Date | Mar 10, 2017 |
| Instrument | 2017K013979 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $172.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 432 S STATE ST, 432, ELGIN, IL 60123-7609 |
| Name | Verified Name |
|---|---|
| Address | 432 S STATE ST, ELGIN, IL 60123-7609 |
| Document Number | 0000013980 |
|---|---|
| Date | Mar 20, 2017 |
| Instrument | 2017K013980 |
| Name | EMERALD MORTGAGE CORP |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.37% |
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 | $6,995.00 (+4.28%) Homeowner's exemption | $99,692 (+8.57%) Land $16,410 Building $83,282 | $299,196 (+8.57%) Land $49,250 Building $249,946 |
| 2024 | $6,708.00 (+11.1%) Homeowner's exemption | $91,823 (+21.39%) Land $15,115 Building $76,708 | $275,579 (+21.44%) Land $45,363 Building $230,216 |
| 2022 | $6,038.00 (+4.57%) Homeowner's exemption | $75,641 (+6.96%) Land $12,451 Building $63,190 | $226,923 (+6.96%) Land $37,353 Building $189,570 |
| 2021 | $5,774.00 Homeowner's exemption | $70,719 Land $11,641 Building $59,078 | $212,157 Land $34,923 Building $177,234 |
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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