463 North St, Elgin, IL 60120 Property Records

Kane County property record for 463 North St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,230 sqft · built 1900
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$255,000 (May 2026)
Tax Bill	$4,754 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Apr 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-13-252-004`

Property Details

APN / Parcel Number

Primary APN	`06-13-252-004`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,230 sqft Living Area
Gross Area	1,746 sqft
Basement Area	516 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	132 ft deep x 66 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	463 NORTH ST
City	ELGIN
State	IL
Zip	60120-5649
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EDWARD H HOTCHKISS ADDN LOT C
Legal Subdivision	EDWARD H HOTCHKISS ADDN
Legal Block	3
Legal Lot Number	C
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3002
Census Tract	851301

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Elgin Historic District listed 1983 · 327 contributing resources · NRIS 83000318

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Kane County records, as of July 21, 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	463 NORTH ST, ELGIN, IL 60120-5649
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2022	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Apr 29, 2025	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
May 27, 2026	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF OMAHA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2026 · Amount on Record
Deed Sale	May 27, 2026 · Amount on Record
Prior Sale	Dec 20, 2016 · Amount on Record
Deed Document Number	202621784
Prior Transfer Date	Sep 8, 2001
Prior Transfer Doc	0000098548
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	463 NORTH ST, ELGIN, IL 60120-5649
Transaction Type	Mortgage
Record Updated	Jun 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000045722
Date	Sep 13, 2022
Instrument	2022K045722

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Fixed Rate
Rate	5.62%

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	463 NORTH ST, ELGIN, IL 60120-5649
Transaction Type	Mortgage
Record Updated	Jun 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	463 NORTH ST, ELGIN, IL 60120-5649

Mortgage

Document Number	0000015189
Date	Apr 29, 2025
Instrument	2025K015189

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	330 Months
Due	Oct 1, 2052

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 27, 2026
Property Address	463 NORTH ST, ELGIN, IL 60120-5649
Document Number	0000021784
Instrument Date	May 5, 2026
Instrument	202621784
Transaction Type	Transfer
Record Updated	Jun 2, 2026
Title Company	ICE MORTGAGE TECHNOLOGY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$38,632.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	463 NORTH ST, ELGIN, IL 60120-5649

Mortgage

Document Number	0000021785,
Date	May 27, 2026
Instrument	202621785

Lender

Name	FIRST NATIONAL BANK OF OMAHA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 2025

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	$4,754.00 (+4.64%) Homeowner's exemption
2024	$4,543.00 (+10.64%)	$64,771 (+21.39%) Land $16,467 Building $48,304	$194,391 (+21.44%) Land $49,421 Building $144,970
2022	$4,106.00 (+4.88%) Homeowner's exemption	$53,356 (+6.96%) Land $13,565 Building $39,791	$160,068 (+6.96%) Land $40,695 Building $119,373
2021	$3,915.00 Homeowner's exemption	$49,884 Land $12,682 Building $37,202	$149,652 Land $38,046 Building $111,606

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 625 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
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Fox Valley Internet, T-Mobile.

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