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576 S State St, Elgin, IL 60123 Property Records

Kane County property record for 576 S State St, Elgin, IL 60123

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,082 sqft · built 1913
Lot Size0.524 acres (22,838 sqft)
Owner2 Individual Names on Record
Last Sale$40,000 (Sep 2012)
Tax Bill$6,966 (2025)
Deeds & MortgagesNov 2019 Mortgage
Dec 2020 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN06-23-283-020

Property Details

APN / Parcel Number

Primary APN06-23-283-020
Alternative APN
  • 0623283008

Interior

Bedrooms4 Beds
Full Baths2 Baths
Total Rooms8 Rooms
Stories2 Stories
Building Area2,082 sqft Living Area
Gross Area3,052 sqft
Basement Area970 sqft

Exterior

Year BuiltBuilt 1913
Effective Year BuiltEffective 1913
Construction TypeFrame
Lot Area22,838 sqft (0.524 acres)
Lot Width203 ft Width

Utilities, Heating & Cooling

Cooling SystemNone
Heating SystemBaseboard
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address576 S STATE ST
CityELGIN
StateIL
Zip60123-7702
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPART OF LOT 21 OF COUNTY CLERKS SUB AS DESC IN DOC 2004K026381 (EX PT DESC IN DOC 2004K077354)
Legal SubdivisionCOUNTY CLERKS SUB
Legal Block4
Legal Lot Number21
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group4
Census Block4016
Census Tract851600

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 Record2 Individual Names on Record
Mailing Address576 S STATE ST, ELGIN, IL 60123-7702
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 5, 2019Deed of Trust, Mortgage · FHA Mortgage
VILLAGE CAPITAL & INVESTMENT LLC
Dec 2, 2020Deed of Trust, Mortgage · FHA Mortgage
VILLAGE CAPITAL & INVESTMENT LLC
Aug 7, 2018Deed of Trust, Mortgage · FHA Mortgage
PEOPLES HM EQUITY
Apr 16, 2018Quit Claim Deed, Transfer
Quitclaim

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 11, 2012 · Amount on Record
Deed SaleSep 11, 2012 · Amount on Record
Prior SaleSep 11, 2012
Deed Document Number201261065
Last Transfer DateApr 11, 2018
Transfer Doc0000017183
Record UpdatedOct 29, 2026

November 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address576 S STATE ST, ELGIN, IL 60123-7702
Transaction TypeMortgage
Record UpdatedAug 5, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000053375
DateNov 5, 2019
Instrument2019K053375
Lender
NameVILLAGE CAPITAL & INVESTMENT LLC
TypeMortgage Company
AddressHENDERSON, NV 89052
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueNov 1, 2049
Interest
Rate TypeFixed Rate
Rate3.75%

December 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address576 S STATE ST, ELGIN, IL 60123-7702
Transaction TypeMortgage
Record UpdatedAug 5, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000074628
DateDec 2, 2020
Instrument2020K074628
Lender
NameVILLAGE CAPITAL & INVESTMENT LLC
TypeMortgage Company
AddressHENDERSON, NV 89052
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueDec 1, 2050

August 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address576 S STATE ST, ELGIN, IL 60123-7702
Document Number0000041309
Instrument DateAug 7, 2018
Transaction TypeMortgage
Record UpdatedSep 3, 2018
Title CompanyNOVAS TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address576 S STATE ST ELGIN IL 601237702, ELGIN, IL 60123-7702

Mortgage

Document Number0000041309
DateAug 22, 2018
Instrument41309
Lender
NamePEOPLES HM EQUITY
TypeFunding / Finance Company
AddressBRENTWOOD, TN 37027
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueAug 21, 2048
Interest
Rate TypeFixed Rate

April 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionKANE IL
Recording DateApr 16, 2018
Property Address576 S STATE ST, ELGIN, IL 60123-7702
Document Number0000017183
Instrument DateApr 11, 2018
Instrument17183
Transaction TypeTransfer
Record UpdatedApr 26, 2018

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address576 S STATE ST ELGIN IL 601237702, ELGIN, IL 60123-7702

Tax Assessment & Valuation

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$6,966.00 (+23.1%) Homeowner's exemption$100,725 (+8.57%) Land $30,265 Building $70,460$302,296 (+8.57%) Land $90,831 Building $211,465
2024$92,774 (+21.4%) Land $27,876 Building $64,898$278,433 (+21.44%) Land $83,661 Building $194,772
2022$5,659.00 (+4.62%) Homeowner's exemption$76,423 (+8.48%) Land $22,963 Building $53,460$229,269 (+8.48%) Land $68,889 Building $160,380
2021$5,409.00 Homeowner's exemption$70,450 Land $21,469 Building $48,981$211,350 Land $64,407 Building $146,943

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

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

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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