Kane County property record for 456 S State St, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,407 sqft · built 1913 |
| Lot Size | 0.131 acres (5,719 sqft) |
| Owner | Individual Name on File |
| Last Sale | $173,333 (Aug 2022) |
| Tax Bill | $5,465 (2025) |
| Deeds & Mortgages | May 2024 Mortgage Aug 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-23-279-033 |
| Primary APN | 06-23-279-033 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,407 sqft Living Area |
| Gross Area | 2,128 sqft |
| Basement Area | 721 sqft |
| Year Built | Built 1913 |
|---|---|
| Effective Year Built | Effective 1913 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 5,719 sqft (0.131 acres) |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 456 S STATE ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-7608 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | J P MORGANS ADDN NORTHERLY 44 FT ON EASTERLY LINE & NORTHERLY 42 FT ON WESTERLY LINE LOT 2 |
| Legal Subdivision | J P MORGANS ADDN |
| Legal Block | 4 |
| Legal Lot Number | 2 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 851600 |
456 S State St is owned and occupied by an individual who bought it in August 2022.
Source: Kane County records, as of October 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 456 S STATE ST, ELGIN, IL 60123-7608 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 7, 2024 | Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC |
| Aug 29, 2022 | Warranty Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 29, 2022 · Amount on File |
| Deed Sale | Aug 29, 2022 · Amount on File |
| Prior Sale | Jun 16, 2008 · Amount on File |
| Deed Document Number | 202243373 |
| Prior Transfer Date | Jul 13, 2007 |
| Prior Transfer Doc | 0000079477 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 456 S STATE ST, ELGIN, IL 60123-7608 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 456 8 STATE ST, 8, ELGIN, IL 60123 |
| Document Number | 0000015071 |
|---|---|
| Date | May 7, 2024 |
| Instrument | 2024K015071 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Address | TEMPE, AZ 85284 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 340 Months |
| Due | Sep 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Aug 29, 2022 |
| Property Address | 456 S STATE ST, ELGIN, IL 60123-7608 |
| Document Number | 0000043373 |
| Instrument Date | Jul 31, 2022 |
| Instrument | 2022K043373 |
| Transaction Type | Transfer |
| Record Updated | Sep 2, 2022 |
| Title Company | FIDELITY NATIONAL TITLE INSURANCE NY, FIDELITY NATIONAL TITLE INS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $170.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 456 S STATE ST, ELGIN, IL 60123-7608 |
| Document Number | 0000043374 |
|---|---|
| Date | Aug 29, 2022 |
| Instrument | 2022K043374 |
| Name | AMERICAN PACIFIC MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.75% |
The 2025 property tax bill for 456 S State St was $5,465 with a homeowner's exemption, up 4.5% from the year before.
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 | $5,465.00 (+4.51%) Homeowner's exemption | $79,634 (+8.57%) Land $13,812 Building $65,822 | $238,998 (+8.57%) Land $41,453 Building $197,545 |
| 2024 | $5,229.00 | $73,348 Land $12,722 Building $60,626 | $220,132 Land $38,181 Building $181,951 |
| 2022 | $4,719.00 (+4.77%) Homeowner's exemption | $60,422 (+6.96%) Land $10,480 Building $49,942 | $181,266 (+6.96%) Land $31,440 Building $149,826 |
| 2021 | $4,504.00 Homeowner's exemption | $56,490 Land $9,798 Building $46,692 | $169,470 Land $29,394 Building $140,076 |
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.
FEMA maps place 456 S State 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.
The area around 456 S State 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.
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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