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555 S State St, Elgin, IL 60123 Property Records

Kane County property record for 555 S State St, Elgin, IL 60123

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,176 sqft · built 1900
Lot Size0.197 acres (8,596 sqft)
OwnerIndividual Name on File
Last Sale$130,000 (Sep 2019)
Tax Bill$4,101 (2025)
Deeds & MortgagesSep 2019 Mortgage
Sep 2019 Sale
Flood ZoneZone X (minimal risk)
APN06-23-284-005

Property Details

APN / Parcel Number

Primary APN06-23-284-005

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms6 Rooms
Stories5 Stories
Building Area1,176 sqft Living Area
Gross Area1,960 sqft
Basement Area784 sqft

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 1900
Construction TypeFrame
Lot Area8,596 sqft (0.197 acres)
Garage TypeDetached
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemWindow A/C
Water SourceCommercial

Location & Zoning

Street Address555 S STATE ST
CityELGIN
StateIL
Zip60123-7773
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionW H HINTZES SUB BLOCKS 4 THRU 9 OF HINTZE & POTTERS ADDN AS AMENDED LOT 10 BLOCK 9
Legal SubdivisionW H HINTZES SUB
Legal Block4-9,9
Legal Lot Number10
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group3
Census Block3007
Census Tract851600

Owner

555 S State St is owned and occupied by an individual who bought it in September 2019.

Source: Kane County records, as of July 23, 2026

Owner of RecordIndividual Name on File
Mailing Address555 S STATE ST, ELGIN, IL 60123-7773
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Sep 6, 2019Deed of Trust, Mortgage · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Sep 11, 2019Warranty Deed, Transfer
CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 11, 2019 · Amount on File
Deed SaleSep 11, 2019 · Amount on File
Prior SaleApr 17, 2008 · Amount on File
Deed Document Number201941931
Record UpdatedOct 29, 2026

September 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address555 S STATE ST, ELGIN, IL 60123-7773
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000041206
DateSep 6, 2019
Instrument2019K041206
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
AddressPONTIAC, MI 48341
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term359 Months
DueAug 1, 2049

September 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateSep 11, 2019
Property Address555 S STATE ST, ELGIN, IL 60123-7773
Document Number0000041931
Instrument DateJul 17, 2019
Instrument41931
Transaction TypeTransfer
Record UpdatedSep 20, 2019
Title CompanyCHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

AmountAmount on Record
Tax$195.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address555 S STATE ST ELGIN IL 601237773, ELGIN, IL 60123-7773

Tax Assessment & Valuation

The 2025 property tax bill for 555 S State St was $4,101 with a homeowner's exemption.

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionElgin Township
MunicipalityElgin City
Unified School DistrictSchool District U-46 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,101.00 Homeowner's exemption$61,765 (+8.57%) Land $18,505 Building $43,260$185,369 (+8.57%) Land $55,537 Building $129,832
2024$56,889 Land $17,044 Building $39,845$170,735 Land $51,152 Building $119,583
2022$3,543.00 (+5.04%) Homeowner's exemption$46,863 (+6.96%) Land $14,040 Building $32,823$140,589 (+6.96%) Land $42,120 Building $98,469
2021$3,373.00 Homeowner's exemption$43,813 Land $13,126 Building $30,687$131,439 Land $39,378 Building $92,061

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

FEMA maps place 555 S State St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 555 S State 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 RiskNot 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 SystemELGIN
serves 114,797 people · EPA ID IL0894380
Water SourceSurface water
Last State InspectionAug 2025
Lead19 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting8
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 385 locations within half a mile, as of December 31, 2025

ProviderMax 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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