Kane County property record for 640 South St, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,692 sqft · built 1890 |
| Lot Size | 0.283 acres (12,327 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $102,000 (Dec 1996) |
| Tax Bill | $6,225 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-14-378-017 |
| Primary APN | 06-14-378-017 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,692 sqft Living Area |
| Gross Area | 2,538 sqft |
| Basement Area | 846 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Construction Type | Frame |
| Lot Area | 12,327 sqft (0.283 acres) |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 640 SOUTH ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-6291 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | J C & W H KIMBALLS 2ND ADDN SOUTHWEST 4 RODS OF LOT 3 BLOCK 1 |
| Legal Subdivision | J C&W H KIMBALLS 2ND ADDN |
| Legal Block | 1 |
| Legal Lot Number | 3 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 851101 |
640 South St is owned by two individuals who bought it in December 1996.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2021 VALLEY CREEK DR, ELGIN, IL 60123-2687 |
| 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 | 2 Names on Deed |
|---|---|
| Last Sale | Dec 31, 1996 · Amount on File |
| Deed Sale | Dec 31, 1996 · Amount on File |
| Deed Document Number | 199691755 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 640 South St was $6,225.
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 | $6,225.00 | $81,598 (+8.57%) Land $19,119 Building $62,479 | $244,892 (+8.57%) Land $57,380 Building $187,512 |
| 2024 | $75,157 Land $17,610 Building $57,547 | $225,561 Land $52,851 Building $172,710 | |
| 2022 | $4,994.00 (+3.96%) | $57,601 (+6.96%) Land $14,506 Building $43,095 | $172,803 (+6.96%) Land $43,518 Building $129,285 |
| 2021 | $4,804.00 | $53,853 Land $13,562 Building $40,291 | $161,559 Land $40,686 Building $120,873 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 640 South 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 640 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.
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 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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