461 S State St, Elgin, IL 60123 Property Records

Kane County property record for 461 S State St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,502 sqft · built 1888
Lot Size	0.182 acres (7,920 sqft)
Owner	Company Name on Record
Last Sale	$280,000 (Mar 2025)
Tax Bill	$6,652 (2025)
Deeds & Mortgages	Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-24-154-009`

Property Details

APN / Parcel Number

Primary APN	`06-24-154-009`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,502 sqft Living Area
Gross Area	2,253 sqft
Basement Area	751 sqft

Exterior

Year Built	Built 1888
Effective Year Built	Effective 1888
Construction Type	Frame
Lot Area	7,920 sqft (0.182 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	461 S STATE ST
City	ELGIN
State	IL
Zip	60123-3910
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HINTZE & POTTERS ADDN AS AMENDED LOT 11 BLOCK 1
Legal Subdivision	HINTZE&POTTERS ADDN
Legal Block	1
Legal Lot Number	11
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3006
Census Tract	851600

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	Company Name on Record
Mailing Address	461 S STATE ST, ELGIN, IL 60123-3910
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 10, 2025 · Amount on Record
Deed Sale	Mar 10, 2025 · Amount on Record
Prior Sale	Apr 13, 2016 · Amount on Record
Deed Document Number	20258434
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	461 S STATE ST, ELGIN, IL 60123-3910
Document Number	0000009650
Instrument Date	Jan 25, 2017
Transaction Type	Mortgage
Record Updated	May 3, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	461 S STATE ST ELGIN IL 601233910, ELGIN, IL 60123-3910

Mortgage

Document Number	0000009650
Date	Feb 21, 2017
Instrument	9650

Lender

Name	ANDREW CUMING
Address	331 GRISWOLD ST, ELGIN, IL 60123-7623

Agreement

Amount	Amount Recorded

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	$6,652.00 (+3.5%)	$87,193 (+8.57%) Land $16,038 Building $71,155	$261,684 (+8.57%) Land $48,133 Building $213,550
2024	$6,427.00 (+21.04%)	$80,310 (+31.12%) Land $14,772 Building $65,538	$241,026 (+31.17%) Land $44,334 Building $196,693
2022	$5,310.00 (+3.95%)	$61,248 (+6.96%) Land $12,168 Building $49,080	$183,744 (+6.96%) Land $36,504 Building $147,240
2021	$5,108.00	$57,262 Land $11,376 Building $45,886	$171,786 Land $34,128 Building $137,658

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

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 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