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

Kane County property record for 520 E State St, South Elgin, IL 60177

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,242 sqft · built 1965
Lot Size	0.248 acres (10,824 sqft)
Owner	2 Individual Names on Record
Last Sale	$170,000 (Oct 2001)
Tax Bill	$7,859 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-35-260-007`

Property Details

APN / Parcel Number

Primary APN	`06-35-260-007`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,242 sqft Living Area
Gross Area	1,840 sqft
Basement Area	598 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Bi-Level
Exterior Material	Brick
Construction Type	Frame
Lot Area	10,824 sqft (0.248 acres)
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	520 E STATE ST
City	SOUTH ELGIN
State	IL
Zip	60177-2057
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PLAT OF TIETJENS SUB LOT 4 (EXCEPT NORTH 100 FT) & ALL LOT 7 BLOCK 2
Legal Subdivision	TIETJENS SUB
Legal Block	2
Legal Lot Number	4,7
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2056
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	520 E STATE ST, SOUTH ELGIN, IL 60177-2057
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 2, 2022	Deed of Trust, Mortgage · Line of Credit KANE COUNTY TEACHERS CU
Jun 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage KANE COUNTY TEACHERS CU
Nov 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage STATE FARM BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2001 · Amount on Record
Deed Sale	Oct 4, 2001 · Amount on Record
Deed Document Number	2001103291
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	520 E STATE ST, SOUTH ELGIN, IL 60177-2057
Transaction Type	Mortgage
Record Updated	Dec 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000057314
Date	Dec 2, 2022
Instrument	2022K057314

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Dec 1, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	520 E STATE ST, SOUTH ELGIN, IL 60177-2057
Transaction Type	Mortgage
Record Updated	Jun 23, 2021
Title Company	HALLMARK TITLE, HALLMARK TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000044352
Date	Jun 10, 2021
Instrument	2021K044352

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2036

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	520 E STATE ST, SOUTH ELGIN, IL 60177-2057
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000057316
Date	Nov 26, 2019
Instrument	2019K057316

Lender

Name	STATE FARM BANK FSB
Type	Bank
Address	EARTH CITY, MO 63045

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2034

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	$7,859.00 (+13.19%) Homeowner's exemption	$114,247 (+8.57%) Land $19,393 Building $94,854	$342,878 (+8.57%) Land $58,202 Building $284,676
2024		$105,229 (+21.39%) Land $17,862 Building $87,367	$315,813 (+21.44%) Land $53,607 Building $262,206
2022	$6,943.00 (+6.24%) Homeowner's exemption	$86,684 (+6.96%) Land $14,714 Building $71,970	$260,052 (+6.96%) Land $44,142 Building $215,910
2021	$6,535.00 Homeowner's exemption	$81,044 Land $13,757 Building $67,287	$243,132 Land $41,271 Building $201,861

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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