Kane County property record for 476 Saint Charles St, Elgin, IL 60120
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,284 sqft · built 1900 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $190,000 (Oct 2021) |
| Tax Bill | $4,049 (2025) |
| Deeds & Mortgages | Aug 2026 Sale Oct 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-24-203-035 |
| Primary APN | 06-24-203-035 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,284 sqft Living Area |
| Gross Area | 2,022 sqft |
| Basement Area | 738 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Construction Type | Frame |
| Lot Area | 8,712 sqft (0.2 acres) |
| Cooling System | None |
|---|---|
| Water Source | Commercial |
| Street Address | 476 SAINT CHARLES ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-7828 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SHERMANS ADDN EXCEPT NORTH 50 FT COUNTY CLERKS SUB D LOT 8 BLOCK 4 |
| Legal Subdivision | COUNTY CLERKS SUB |
| Legal Block | 4 |
| Legal Lot Number | 8 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 851400 |
476 Saint Charles St is owned by a company that acquired it in July 2026 and is owner-occupied.
Source: Kane County records, as of August 17, 2026
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 17 LOVELL ST, ELGIN, IL 60120-2814 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Life Tenant |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 6, 2026 | Deed, Transfer NONE LISTED ON DOCUMENT |
| Oct 29, 2021 | Warranty Deed, Transfer · Conventional Mortgage KANE COUNTY TEACHERS CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 29, 2021 · Amount on File |
| Deed Sale | Oct 29, 2021 · Amount on File |
| Prior Sale | May 16, 2012 · Amount on File |
| Deed Document Number | 202182022 |
| Last Transfer Date | Jul 14, 2026 |
| Transfer Doc | 0000033682 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Aug 6, 2026 |
| Property Address | 476 SAINT CHARLES ST, ELGIN, IL 60120-7828 |
| Document Number | 0000033682 |
| Instrument Date | Jul 14, 2026 |
| Instrument | 202633682 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Tenant |
| Address | 17 LOVELL ST, ELGIN, IL 60120-2814 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Oct 29, 2021 |
| Property Address | 476 SAINT CHARLES ST, ELGIN, IL 60120-7828 |
| Document Number | 0000082022 |
| Instrument Date | Oct 8, 2021 |
| Instrument | 2021K082022 |
| Transaction Type | Transfer |
| Record Updated | Nov 5, 2021 |
| Title Company | PRO TITLE GROUP INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $190.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 476 SAINT CHARLES ST, ELGIN, IL 60120-7828 |
| Investor | Possibly a Property Investor |
| Document Number | 0000082023 |
|---|---|
| Date | Oct 29, 2021 |
| Instrument | 2021K082023 |
| Name | KANE COUNTY TEACHERS CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
The 2025 property tax bill for 476 Saint Charles St was $4,049 with exemptions applied.
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 | $4,049.00 Homeowner's exemption Senior Citizen's exemption | $69,079 (+8.57%) Land $15,911 Building $53,168 | $207,320 (+8.57%) Land $47,752 Building $159,568 |
| 2024 | $63,626 Land $14,655 Building $48,971 | $190,954 Land $43,983 Building $146,972 | |
| 2022 | $4,024.00 (-7.94%) Homeowner's exemption | $52,414 (+6.96%) Land $12,073 Building $40,341 | $157,242 (+6.96%) Land $36,219 Building $121,023 |
| 2021 | $4,371.00 | $49,003 Land $11,287 Building $37,716 | $147,009 Land $33,861 Building $113,148 |
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.
FEMA maps place 476 Saint Charles St in Zone X, an area of minimal flood risk.
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.
The area around 476 Saint Charles St has no burnable land within ember reach, so its wildfire risk is not rated.
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 515 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Astound Broadband Cable · Fiber in parts of the area | 1,500 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T, Fox Valley Internet, T-Mobile.
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