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

Kane County property record for 640 E State St, South Elgin, IL 60177

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,200 sqft · built 1964
Lot Size	0.182 acres (7,920 sqft)
Owner	2 Individual Names on Record
Last Sale	$165,000 (Jan 2017)
Tax Bill	$7,004 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jan 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-35-279-016`

Property Details

APN / Parcel Number

Primary APN	`06-35-279-016`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,200 sqft Living Area
Gross Area	2,400 sqft
1st Floor Area	1,200 sqft
Basement Area	1,200 sqft

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Exterior Material	Brick
Lot Area	7,920 sqft (0.182 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	640 E STATE ST
City	SOUTH ELGIN
State	IL
Zip	60177-2153
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	H JEROME GILBERTS ADDN LOT 8 BLOCK 2
Legal Subdivision	H JEROME GILBERTS ADDN
Legal Block	2
Legal Lot Number	8
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2036
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	640 E STATE ST, SOUTH ELGIN, IL 60177-2153
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Jan 9, 2017	Warranty Deed, Transfer · FHA Mortgage UNIVERSAL AMERICAN MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 9, 2017 · Amount on Record
Deed Sale	Jan 9, 2017 · Amount on Record
Prior Sale	Oct 26, 2012 · Amount on Record
Deed Document Number	20171401
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	640 E STATE ST, SOUTH ELGIN, IL 60177-2153
Transaction Type	Mortgage
Record Updated	Aug 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000062296
Date	Aug 16, 2021
Instrument	2021K062296

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Jul 1, 2036

Interest

Rate	2.62%

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 9, 2017
Property Address	640 E STATE ST, SOUTH ELGIN, IL 60177-2153
Document Number	0000001401
Instrument Date	Dec 9, 2016
Instrument	2017K001401
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	ATTORNEYS TITLE GUARANTY FUN

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$165.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	277 S COLLINS ST, SOUTH ELGIN, IL 60177-1921

Mortgage

Document Number	0000001402
Date	Jan 9, 2017
Instrument	2017K001402

Lender

Name	UNIVERSAL AMERICAN MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2047

Mortgage

Document Number	0000001403
Date	Jan 9, 2017
Instrument	2017K001403

Lender

Name	JOSEPH J GEIGER
Type	Private Party
Address	15550 LIGHTWAVE DR STE 200, CLEARWATER, FL 33760

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

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	$7,004.00 (+13.3%)	$94,693 (+8.57%) Land $16,160 Building $78,533	$284,193 (+8.57%) Land $48,499 Building $235,693
2024		$87,218 (+21.39%) Land $14,884 Building $72,334	$261,759 (+21.44%) Land $44,670 Building $217,089
2022	$6,182.00 (+5.69%)	$71,847 (+6.96%) Land $12,261 Building $59,586	$215,541 (+6.96%) Land $36,783 Building $178,758
2021	$5,849.00	$67,172 Land $11,463 Building $55,709	$201,516 Land $34,389 Building $167,127

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	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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