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

Kane County property record for 494 E State St, South Elgin, IL 60177

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,045 sqft · built 1960
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$123,000 (Feb 1999)
Tax Bill	$6,345 (2025)
Deeds & Mortgages	Oct 2025 Mortgage May 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-35-259-007`

Property Details

APN / Parcel Number

Primary APN	`06-35-259-007`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,045 sqft Living Area
Gross Area	2,090 sqft
1st Floor Area	1,045 sqft
Basement Area	1,045 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	494 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 EAST 1/2 OF 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	494 E STATE ST, SOUTH ELGIN, IL 60177-2055
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2025	Deed of Trust, Mortgage · Conventional Mortgage KANE COUNTY TEACHERS CU
May 31, 2022	Deed of Trust, Mortgage · Conventional Mortgage KANE COUNTY TEACHERS CU
Mar 25, 2021	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Oct 6, 2018	Deed of Trust, Mortgage · FHA Mortgage MR COOPER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 2, 1999 · Amount on Record
Deed Sale	Feb 2, 1999 · Amount on Record
Deed Document Number	199912163
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	494 E STATE ST, SOUTH ELGIN, IL 60177-2055
Transaction Type	Mortgage
Record Updated	Oct 30, 2025
Title Company	PREMIER TITLE COMPANY, PREMIER TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	494 E STATE ST, SOUTH ELGIN, IL 60177-2055

Mortgage

Document Number	0000041599
Date	Oct 23, 2025
Instrument	2025K041599

Lender

Name	KANE COUNTY TEACHERS CU
Type	Credit Union
Address	ELGIN, IL 60123

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate	6.25%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	494 E STATE ST, SOUTH ELGIN, IL 60177-2055
Transaction Type	Mortgage
Record Updated	Jun 6, 2022
Title Company	HALLMARK TITLE, HALLMARK TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028647
Date	May 31, 2022
Instrument	2022K028647

Lender

Name	KANE COUNTY TEACHERS CU
Type	Credit Union
Address	ELGIN, IL 60123

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	494 E STATE ST, SOUTH ELGIN, IL 60177-2055
Transaction Type	Mortgage
Record Updated	Apr 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023340
Date	Mar 25, 2021
Instrument	2021K023340

Lender

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

Agreement

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

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	494 E STATE ST, SOUTH ELGIN, IL 60177-2055
Document Number	0000050368
Instrument Date	Oct 6, 2018
Transaction Type	Mortgage
Record Updated	Oct 24, 2018
Title Company	COMMONWEALTH USA SETTLEMENTS L

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	494 E STATE ST SOUTH ELGIN IL 601772055, SOUTH ELGIN, IL 60177-2055

Mortgage

Document Number	0000050368
Date	Oct 15, 2018
Instrument	50368

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 14, 2048

Interest

Rate	5.12%

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	$6,345.00 (+13.18%) Homeowner's exemption	$93,777 (+8.57%) Land $17,454 Building $76,323	$281,444 (+8.57%) Land $52,383 Building $229,061
2024		$86,374 (+21.4%) Land $16,076 Building $70,298	$259,226 (+21.44%) Land $48,247 Building $210,978
2022	$5,606.00 (+6.38%) Homeowner's exemption	$71,151 (+6.96%) Land $13,242 Building $57,909	$213,453 (+6.96%) Land $39,726 Building $173,727
2021	$5,270.00 Homeowner's exemption	$66,521 Land $12,380 Building $54,141	$199,563 Land $37,140 Building $162,423

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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.

Nearby Properties on E State St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures