464 S State St, Elgin, IL 60123 Property Records

Kane County property record for 464 S State St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,440 sqft · built 1925
Lot Size	0.175 acres (7,626 sqft)
Owner	Individual Name on Record
Last Sale	$189,000 (Jul 2017)
Tax Bill	$5,773 (2025)
Deeds & Mortgages	Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-23-279-035`

Property Details

APN / Parcel Number

Primary APN	`06-23-279-035`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,440 sqft Living Area
Gross Area	2,160 sqft
Basement Area	720 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Construction Type	Frame
Lot Area	7,626 sqft (0.175 acres)
Lot Dimensions	123 ft deep x 62 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Window A/C
Water Source	Commercial

Location & Zoning

Street Address	464 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 EAST 123 FT OF (SOUTH 48 FT LOT 3 & NORTH 13 11/12 FT) LOT 4
Legal Subdivision	J P MORGANS ADDN
Legal Block	4
Legal Lot Number	3,4
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4000
Census Tract	851600

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	464 S STATE ST, ELGIN, IL 60123-7608
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2017 · Amount on Record
Deed Sale	Jul 27, 2017 · Amount on Record
Prior Sale	Nov 3, 2003 · Amount on Record
Deed Document Number	201738972
Prior Transfer Date	Aug 20, 1998
Prior Transfer Doc	0000078876
Record Updated	Sep 20, 2026

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 27, 2017
Property Address	464 S STATE ST, ELGIN, IL 60123-7608
Document Number	0000038972
Instrument Date	Jul 10, 2017
Instrument	2017K038972
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIRST UNITED TITLE SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$189.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	464 S STATE ST, ELGIN, IL 60123-7608

Mortgage

Document Number	0000038973
Date	Jul 27, 2017
Instrument	2017K038973

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2047

Interest

Rate Type	Fixed Rate
Rate	4%

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	$5,773.00 (+15.81%) Homeowner's exemption
2024		$77,077 (+21.39%) Land $15,901 Building $61,176	$231,324 (+21.44%) Land $47,722 Building $183,601
2022	$4,985.00 (+4.73%) Homeowner's exemption	$63,493 (+6.96%) Land $13,098 Building $50,395	$190,479 (+6.96%) Land $39,294 Building $151,185
2021	$4,760.00 Homeowner's exemption	$59,362 Land $12,246 Building $47,116	$178,086 Land $36,738 Building $141,348

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