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

Kane County property record for 465 E State St, South Elgin, IL 60177

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,308 sqft · built 1960
Lot Size	0.214 acres (9,319 sqft)
Owner	Individual Name on Record
Last Sale	$192,000 (May 2018)
Tax Bill	$7,137 (2025)
Deeds & Mortgages	Mar 2021 Mortgage May 2018 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`06-35-263-003`

Property Details

APN / Parcel Number

Primary APN	`06-35-263-003`

Interior

Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,308 sqft Living Area
Gross Area	2,616 sqft
1st Floor Area	1,308 sqft
Basement Area	1,308 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Construction Type	Frame
Lot Area	9,319 sqft (0.214 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	465 E STATE ST
City	SOUTH ELGIN
State	IL
Zip	60177-2054
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRUMAN GILBERTS PLAT OF EAST CLINTON
Legal Subdivision	TRUMAN GILBERTS PLAT
Legal Block	2
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2072
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	Individual Name on Record
Mailing Address	465 E STATE ST, SOUTH ELGIN, IL 60177-2054
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
May 31, 2018	Grant Deed, Foreclosure · FHA Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 31, 2018 · Amount on Record
Deed Sale	May 31, 2018 · Amount on Record
Deed Document Number	201825182
Prior Transfer Date	May 9, 2018
Prior Transfer Doc	0000025182
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	465 E STATE ST, SOUTH ELGIN, IL 60177-2054
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025139
Date	Mar 31, 2021
Instrument	2021K025139

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

May 2018: Grant Deed, Foreclosure

Document Type	Grant Deed
Jurisdiction	KANE IL
Recording Date	May 31, 2018
Property Address	465 E STATE ST, SOUTH ELGIN, IL 60177-2054
Document Number	0000025182
Instrument Date	May 9, 2018
Instrument	25182
Transaction Type	Foreclosure
Record Updated	Jun 14, 2018
Title Company	BAIRD AND WARNER TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$288.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	465 E STATE ST SOUTH ELGIN IL 601772054, SOUTH ELGIN, IL 60177-2054

Mortgage

Document Number	25183
Date	May 31, 2018
Instrument	25183

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 30, 2048

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	$7,137.00 (+13.18%) Homeowner's exemption	$104,494 (+8.57%) Land $18,313 Building $86,181	$313,607 (+8.57%) Land $54,961 Building $258,646
2024		$96,245 (+21.39%) Land $16,867 Building $79,378	$288,851 (+21.44%) Land $50,621 Building $238,229
2022	$6,306.00 (+6.3%) Homeowner's exemption	$79,283 (+6.96%) Land $13,894 Building $65,389	$237,849 (+6.96%) Land $41,682 Building $196,167
2021	$5,932.00 Homeowner's exemption	$74,124 Land $12,990 Building $61,134	$222,372 Land $38,970 Building $183,402

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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