435 E State St, South Elgin, IL 60177 Property Records

Kane County property record for 435 E State St, South Elgin, IL 60177

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,008 sqft · built 1960
Lot Size	0.184 acres (8,016 sqft)
Owner	Individual Name on Record
Last Sale	$165,000 (Apr 2018)
Tax Bill	$5,879 (2025)
Deeds & Mortgages	Aug 2017 Mortgage Apr 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-35-263-002`

Property Details

APN / Parcel Number

Primary APN	`06-35-263-002`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Construction Type	Frame
Foundation Type	Raised
Lot Area	8,016 sqft (0.184 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	435 E STATE ST
City	SOUTH ELGIN
State	IL
Zip	60177-2054
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRUMAN GILBERTS PLAT OF EAST CLINTON
Legal Subdivision	TRUMAN GILBERTS PLAT
Legal Block	2
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2072
Census Tract	851801

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	435 E STATE ST, SOUTH ELGIN, IL 60177-2054
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2017	Deed of Trust, Mortgage COUNTY OF KANE
Apr 25, 2018	Warranty Deed, Transfer · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP
Mar 10, 2017	Grant Deed, Transfer ATTORNEY'S TITLE, ATTORNEYS TITLE GUARANTY FUND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 25, 2018 · Amount on Record
Deed Sale	Apr 25, 2018 · Amount on Record
Prior Sale	Mar 10, 2017 · Amount on Record
Deed Document Number	201818802
Record Updated	Oct 29, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	435 E STATE ST, SOUTH ELGIN, IL 60177-2054
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000039796
Date	Aug 1, 2017
Instrument	2017K039796

Lender

Name	COUNTY OF KANE
Type	Government Agency
Address	GENEVA, IL 60134

Agreement

Amount	Amount Recorded

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 25, 2018
Property Address	435 E STATE ST, SOUTH ELGIN, IL 60177-2054
Document Number	0000018802
Instrument Date	Apr 20, 2018
Instrument	2018K018802
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	CHICAGO TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$165.00
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	435 E STATE ST, SOUTH ELGIN, IL 60177-2054

Mortgage

Document Number	0000018803
Date	Apr 25, 2018
Instrument	2018K018803

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

Interest

Rate Type	Fixed Rate
Rate	4.62%

Mortgage

Document Number	0000018804
Date	Apr 25, 2018
Instrument	2018K018804

Lender

Name	COUNTY OF KANE THROUGH ITS OFFICE OF COM
Type	Government Agency
Address	00000

Agreement

Amount	Amount Recorded

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KANE IL
Recording Date	Mar 10, 2017
Property Address	435 E STATE ST, SOUTH ELGIN, IL 60177-2054
Document Number	0000012550
Instrument Date	Feb 3, 2017
Instrument	12550
Transaction Type	Transfer
Record Updated	May 3, 2017
Title Company	ATTORNEY'S TITLE, ATTORNEYS TITLE GUARANTY FUND

Transaction

Amount	Amount Recorded
Tax	$199.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	100 S HAWTHORNE ST ELGIN IL 601235874, ELGIN, IL 60123-5874

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	South Elgin Village
Unified School District	School District U-46 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,879.00 (+13.17%) Homeowner's exemption	$87,481 (+8.57%) Land $17,454 Building $70,027	$262,548 (+8.57%) Land $52,383 Building $210,165
2024		$80,575 (+21.4%) Land $16,076 Building $64,499	$241,822 (+21.44%) Land $48,247 Building $193,574
2022	$5,195.00 (+6.43%) Homeowner's exemption	$66,374 (+6.96%) Land $13,242 Building $53,132	$199,122 (+6.96%) Land $39,726 Building $159,396
2021	$4,881.00 Homeowner's exemption	$62,055 Land $12,380 Building $49,675	$186,165 Land $37,140 Building $149,025

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (1983)
Most Recent Claim	Jul 1983 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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	SOUTH ELGIN serves 23,648 people · EPA ID IL0890800
Water Source	Groundwater
Last State Inspection	Apr 2024
Lead	1 ppb (2026) action level 15 ppb
Copper	1.5 mg/L (2024) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	Barium not recorded as resolved · Apr 2026
Treatment and Procedure	Corrosion control Jul 2025
Monitoring and Reporting	5 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 234 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Xfinity Cable	2,000 / 250
Fox Valley Internet Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Verizon.

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