Kane County property record for 438 S State St, Elgin, IL 60123
| Property Type | Commercial |
|---|---|
| Details | 1,115 sqft · built 1923 |
| Lot Size | 0.16 acres (6,983 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $5,265 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-23-278-020 |
| Primary APN | 06-23-278-020 |
|---|
| Building Area | 1,115 sqft Gross Area |
|---|
| Year Built | Built 1923 |
|---|---|
| Effective Year Built | Effective 1923 |
| Exterior Material | Brick |
| Lot Area | 6,983 sqft (0.16 acres) |
| Street Address | 438 S STATE ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-7608 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | LORDS 2ND ADDN SOUTH 28.74 FT EXCEPT WEST 90 FT LOT 6 & EXCEPT WEST 90 FT LOT 7 BLOCK 19 |
| Legal Subdivision | LORDS 2ND ADDN |
| Legal Block | 19 |
| Legal Lot Number | 6,7 |
| 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 | Company Name on Record |
|---|---|
| Mailing Address | 438 S STATE ST, ELGIN, IL 60123-7608 |
| Owner Type | Company |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
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 | $5,265.00 (+15.97%) | $69,019 (+8.57%) Land $31,502 Building $37,517 | $207,140 (+8.57%) Land $94,544 Building $112,596 |
| 2024 | $63,571 (+21.39%) Land $29,015 Building $34,556 | $190,789 (+21.44%) Land $87,080 Building $103,709 | |
| 2022 | $4,540.00 (+3.94%) | $52,368 (+6.96%) Land $23,902 Building $28,466 | $157,104 (+6.96%) Land $71,706 Building $85,398 |
| 2021 | $4,368.00 | $48,961 Land $22,347 Building $26,614 | $146,883 Land $67,041 Building $79,842 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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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