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

Kane County property record for 464 E State St, South Elgin, IL 60177

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,456 sqft · built 1960
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$181,000 (Aug 2017)
Tax Bill	$6,137 (2025)
Deeds & Mortgages	May 2021 Mortgage Aug 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-35-259-006`

Property Details

APN / Parcel Number

Primary APN	`06-35-259-006`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,456 sqft Living Area
Gross Area	2,624 sqft
1st Floor Area	1,456 sqft
Basement Area	1,168 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	464 E STATE ST
City	SOUTH ELGIN
State	IL
Zip	60177-2055
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRUMAN GILBERTS PLAT OF EAST CLINTON WEST 66 FT LOT 2 BLOCK 24
Legal Subdivision	TRUMAN GILBERTS PLAT
Legal Block	24
Legal Lot Number	2
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2055
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	2 Individual Names on Record
Mailing Address	464 E STATE ST, SOUTH ELGIN, IL 60177-2055
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 3, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Aug 31, 2022	Transfer on Death Deed, Transfer ATTORNEY ONLY, ATTORNEY
Aug 29, 2017	Warranty Deed, Transfer · FHA Mortgage PEOPLES HM EQUITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2017 · Amount on Record
Deed Sale	Aug 29, 2017 · Amount on Record
Deed Document Number	201745450
Last Transfer Date	Aug 31, 2022
Transfer Doc	0000043841
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	464 E STATE ST, SOUTH ELGIN, IL 60177-2055
Transaction Type	Mortgage
Record Updated	Jul 11, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034658
Date	May 3, 2021
Instrument	2021K034658

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	316 Months
Due	Sep 1, 2047

August 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	KANE IL
Recording Date	Aug 31, 2022
Property Address	464 E STATE ST, SOUTH ELGIN, IL 60177-2055
Document Number	0000043841
Map Reference	DOC 2017K045450
Instrument Date	Aug 31, 2022
Instrument	2022K043841
Transaction Type	Transfer
Record Updated	Sep 7, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	464 E STATE ST, SOUTH ELGIN, IL 60177-2055

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 29, 2017
Property Address	464 E STATE ST, SOUTH ELGIN, IL 60177-2055
Document Number	0000045450
Instrument Date	Aug 2, 2017
Instrument	45450
Transaction Type	Transfer
Record Updated	Sep 25, 2017
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$271.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	464 E STATE ST SOUTH ELGIN IL 601772055, SOUTH ELGIN, IL 60177-2055

Mortgage

Document Number	45451
Date	Aug 29, 2017
Instrument	45451

Lender

Name	PEOPLES HM EQUITY
Type	Funding / Finance Company
Address	BRENTWOOD, TN 37027

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 28, 2047

Interest

Rate Type	Fixed Rate
Rate	4.12%

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	$6,137.00 (+11.28%) Homeowner's exemption Senior Citizen's exemption	$98,974 (+8.57%) Land $17,454 Building $81,520	$297,041 (+8.57%) Land $52,383 Building $244,658
2024		$91,161 (+21.39%) Land $16,076 Building $75,085	$273,592 (+21.44%) Land $48,247 Building $225,345
2022	$5,515.00 (+6.96%) Homeowner's exemption	$75,095 (+6.96%) Land $13,242 Building $61,853	$225,285 (+6.96%) Land $39,726 Building $185,559
2021	$5,156.00 Homeowner's exemption	$70,208 Land $12,380 Building $57,828	$210,624 Land $37,140 Building $173,484

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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