434 Saint Charles St, Elgin, IL 60120 Property Records

Kane County property record for 434 Saint Charles St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,200 sqft · built 1879
Lot Size	0.275 acres (12,000 sqft)
Owner	Individual Name on File
Last Sale	$125,000 (Oct 2017)
Tax Bill	$7,927 (2025)
Deeds & Mortgages	Oct 2023 Transfer Oct 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`06-24-203-026`

Property Details

APN / Parcel Number

Primary APN	`06-24-203-026`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,200 sqft Living Area
Gross Area	3,398 sqft
Basement Area	1,198 sqft

Exterior

Year Built	Built 1879
Effective Year Built	Effective 1879
Construction Type	Frame
Lot Area	12,000 sqft (0.275 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	434 SAINT CHARLES ST
City	ELGIN
State	IL
Zip	60120-7828
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHERMANS ADDN NORTH 50 FT SOUTH 96 FT LOT 4 BLOCK 4
Legal Subdivision	SHERMANS ADDN
Legal Block	4
Legal Lot Number	4
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	518 HILLSIDE DR, STREAMWOOD, IL 60107-1512
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Oct 19, 2017	Warranty Deed, Transfer CHICAGO TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 19, 2017 · Amount on File
Deed Sale	Oct 19, 2017 · Amount on File
Prior Sale	Dec 16, 2008 · Amount on File
Deed Document Number	201754985
Record Updated	Oct 29, 2026

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Oct 18, 2023
Property Address	434 SAINT CHARLES ST, ELGIN, IL 60120-7828
Document Number	0000036537
Instrument Date	May 1, 2023
Instrument	2023K036537
Transaction Type	Transfer
Record Updated	Oct 31, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 HILLSIDE DR, STREAMWOOD, IL 60107-1512

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 19, 2017
Property Address	434 SAINT CHARLES ST, ELGIN, IL 60120-7828
Document Number	0000054985
Instrument Date	Oct 12, 2017
Instrument	54985
Transaction Type	Transfer
Record Updated	Nov 20, 2017
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$187.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	434 SAINT CHARLES ST ELGIN IL 601207828, ELGIN, IL 60120-7828

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	$7,927.00 (+25.53%)	$103,906 (+8.57%) Land $16,287 Building $87,619	$311,843 (+8.57%) Land $48,881 Building $262,962
2024		$95,704 (+21.39%) Land $15,001 Building $80,703	$287,227 (+21.44%) Land $45,021 Building $242,206
2022	$6,315.00 Homeowner's exemption	$78,837 Land $12,357 Building $66,480	$236,511 Land $37,071 Building $199,440

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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