Kane County property record for 470 S State St, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,536 sqft · built 1913 |
| Lot Size | 0.169 acres (7,380 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $220,000 (Aug 2024) |
| Tax Bill | $5,701 (2025) |
| Deeds & Mortgages | Nov 2022 Sale Oct 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-23-279-036 |
| Primary APN | 06-23-279-036 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,536 sqft Living Area |
| Gross Area | 2,322 sqft |
| Basement Area | 786 sqft |
| Year Built | Built 1913 |
|---|---|
| Effective Year Built | Effective 1913 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 7,380 sqft (0.169 acres) |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Cooling System | None |
|---|---|
| Sewer | Municipal |
| Water Source | Well |
| Street Address | 470 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 60 FT LOT 4 |
| Legal Subdivision | J P MORGANS ADDN |
| Legal Block | 4 |
| Legal Lot Number | 4 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 851600 |
Source: Kane County records, as of August 17, 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 | 838 OLIVE ST, ELGIN, IL 60120-8027 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Nov 10, 2022 | Warranty Deed, Transfer FIRST AMERICAN TITLE |
| Oct 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage OLD SECOND NATIONAL BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 6, 2024 · Amount on Record |
| Deed Sale | Aug 6, 2024 · Amount on Record |
| Prior Sale | Nov 10, 2022 · Amount on Record |
| Deed Document Number | 202427532 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Nov 10, 2022 |
| Property Address | 470 S STATE ST, ELGIN, IL 60123-7608 |
| Document Number | 0000054428 |
| Instrument Date | Oct 11, 2022 |
| Instrument | 2022K054428 |
| Transaction Type | Transfer |
| Record Updated | Nov 18, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $200.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 470 S STATE ST, ELGIN, IL 60123-7608 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 470 S STATE ST, ELGIN, IL 60123-7608 |
| Transaction Type | Mortgage |
| Record Updated | Oct 26, 2021 |
| Title Company | AF TITLE COMPANY, FOX TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000078924 |
|---|---|
| Date | Oct 19, 2021 |
| Instrument | 2021K078924 |
| Name | OLD SECOND NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | AURORA, IL 60506 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,701.00 (+15.8%) | $82,737 (+8.57%) Land $17,264 Building $65,473 | $248,310 (+8.57%) Land $51,813 Building $196,498 |
| 2024 | $76,206 (+21.4%) Land $15,901 Building $60,305 | $228,709 (+21.44%) Land $47,722 Building $180,987 | |
| 2022 | $4,923.00 (+4.74%) Homeowner's exemption | $62,775 (+6.96%) Land $13,098 Building $49,677 | $188,325 (+6.96%) Land $39,294 Building $149,031 |
| 2021 | $4,700.00 Homeowner's exemption | $58,690 Land $12,246 Building $46,444 | $176,070 Land $36,738 Building $139,332 |
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.
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.
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.
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 |
| 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.
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 |
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