607 South St, Elgin, IL 60123 Property Records

Kane County property record for 607 South St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,330 sqft · built 1900
Lot Size	0.375 acres (16,329 sqft)
Owner	Individual Name on File
Last Sale	$276,000 (Jan 2021)
Tax Bill	$7,603 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage May 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-14-382-002`

Property Details

APN / Parcel Number

Primary APN	`06-14-382-002`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,330 sqft Living Area
Gross Area	3,495 sqft
Basement Area	1,165 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	16,329 sqft (0.375 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	607 SOUTH ST
City	ELGIN
State	IL
Zip	60123-6219
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	J C & W H KIMBALLS ADDN LOT 3 BLOCK 6
Legal Subdivision	J C&W H KIMBALLS ADDN
Legal Block	6
Legal Lot Number	3
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	5
Census Block	5000
Census Tract	851600

Owner

607 South St is owned and occupied by an individual who bought it in January 2021.

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

Owner of Record	Individual Name on File
Mailing Address	607 SOUTH ST, ELGIN, IL 60123-6219
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Jan 14, 2021	Warranty Deed, Transfer · Conventional Mortgage A & N MORTGAGE SERVICES INC
May 7, 2019	Affidavit of Death of Joint Tenant, Transfer · Line of Credit WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 14, 2021 · Amount on File
Deed Sale	Jan 14, 2021 · Amount on File
Deed Document Number	20213378
Prior Transfer Date	Jun 19, 2019
Prior Transfer Doc	0000025541
Record Updated	Oct 29, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 14, 2021
Property Address	607 SOUTH ST, ELGIN, IL 60123-6219
Document Number	0000003378
Instrument Date	Dec 31, 2020
Instrument	2021K003378
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	STARCK TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$276.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	607 SOUTH ST, ELGIN, IL 60123-6219

Mortgage

Document Number	0000003379
Date	Jan 14, 2021
Instrument	2021K003379

Lender

Name	A & N MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.75%

May 2019: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	KANE IL
Recording Date	May 7, 2019
Property Address	607 SOUTH ST, ELGIN, IL 60123-6219
Document Number	0000018196
Instrument Date	Apr 19, 2019
Instrument	2019K018196
Transaction Type	Transfer
Record Updated	Jul 27, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	607 SOUTH ST, ELGIN, IL 60123-6219

Mortgage

Document Number	0000018197
Date	May 7, 2019
Instrument	2019K018197

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 19, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 607 South St was $7,603 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	Elgin Township
Municipality	Elgin City
Unified School District	School District U-46 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,603.00 Homeowner's exemption	$107,661 (+8.57%) Land $23,972 Building $83,689	$323,112 (+8.57%) Land $71,945 Building $251,167
2024		$99,163 Land $22,080 Building $77,083	$297,608 Land $66,267 Building $231,342
2022	$6,563.00 (+4.54%) Homeowner's exemption	$81,688 (+6.96%) Land $18,189 Building $63,499	$245,064 (+6.96%) Land $54,567 Building $190,497
2021	$6,278.00 Homeowner's exemption	$76,372 Land $17,005 Building $59,367	$229,116 Land $51,015 Building $178,101

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 607 South St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2008.

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
Nearby Flood Claims	1 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2008 · Severe Storms And Flooding

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

The area around 607 South 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 637 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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