Kane County property record for 628 Saint Charles St, Elgin, IL 60120
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 2,016 sqft · built 1900 |
| Lot Size | 0.147 acres (6,396 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $5,361 (2025) |
| Deeds & Mortgages | May 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-24-256-020 |
| Primary APN | 06-24-256-020 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,016 sqft Living Area |
| Gross Area | 3,024 sqft |
| Basement Area | 1,008 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Construction Type | Frame |
| Lot Area | 6,396 sqft (0.147 acres) |
| Garage Type | Detached |
| Parking Spaces | 4 Parking Spaces |
| Street Address | 628 SAINT CHARLES ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-8306 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | P VAN NOSTRANDS ADDN NORTH 41.2 FT LOT 4 NORTH 41.2 FT EXCEPT WEST 198 FT LOT 3 SOUTH 10.8 FT PART LOT 1 & SOUTH 10.8 FT EXCEPT WEST 198 FT LOT 2 BLOCK 3 |
| Legal Subdivision | P VAN NOSTRANDS ADDN |
| Legal Block | 6 |
| Legal Lot Number | 4,3 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 6 |
| Census Block | 6000 |
| Census Tract | 851400 |
628 Saint Charles St is owned and occupied by an individual who acquired it in May 2002.
Source: Kane County records, as of July 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 628 SAINT CHARLES ST, ELGIN, IL 60120-8306 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | May 30, 2002 |
| Transfer Doc | 0000078110 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 628 SAINT CHARLES ST, ELGIN, IL 60120-8306 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000022524 |
|---|---|
| Date | May 4, 2017 |
| Instrument | 2017K022524 |
| Name | BMO HARRIS BANK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60690 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | May 1, 2032 |
The 2025 property tax bill for 628 Saint Charles St was $5,361 with exemptions applied.
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,361.00 Homeowner's exemption Senior Citizen's exemption | $86,276 (+8.57%) Land $14,399 Building $71,877 | $258,932 (+8.57%) Land $43,214 Building $215,717 |
| 2024 | $79,465 Land $13,262 Building $66,203 | $238,490 Land $39,802 Building $198,688 | |
| 2022 | $4,725.00 (+4.74%) Homeowner's exemption | $60,502 (+6.96%) Land $10,925 Building $49,577 | $181,506 (+6.96%) Land $32,775 Building $148,731 |
| 2021 | $4,511.00 Homeowner's exemption | $56,565 Land $10,214 Building $46,351 | $169,695 Land $30,642 Building $139,053 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 628 Saint Charles St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 8, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 628 Saint Charles 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 585 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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