Kane County property record for 641 Saint Charles St, Elgin, IL 60120
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 844 sqft · built 1894 |
| Lot Size | 0.154 acres (6,708 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,306 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-24-257-009 |
| Primary APN | 06-24-257-009 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 844 sqft Living Area |
| Gross Area | 1,688 sqft |
| 1st Floor Area | 844 sqft |
| Basement Area | 844 sqft |
| Year Built | Built 1894 |
|---|---|
| Effective Year Built | Effective 1894 |
| Architectural Style | Victorian |
| Construction Type | Frame |
| Lot Area | 6,708 sqft (0.154 acres) |
| Lot Dimensions | 129 ft deep x 52 ft wide |
| Cooling System | None |
|---|---|
| Water Source | Commercial |
| Street Address | 641 SAINT CHARLES ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-8305 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OAKLAWN ADDN LOT 12 |
| Legal Subdivision | OAKLAWN ADDN |
| Legal Block | 5 |
| Legal Lot Number | 12 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 5 |
| Census Block | 5011 |
| Census Tract | 851400 |
641 Saint Charles St is owned and occupied by two individuals who acquired it in July 2024.
Source: Kane County records, as of August 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 641 SAINT CHARLES ST, ELGIN, IL 60120-8305 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 | Sep 30, 1998 |
| Deed Sale | Sep 30, 1998 |
| Prior Sale | Dec 18, 1997 · Amount on File |
| Deed Document Number | 199888874 |
| Last Transfer Date | Jul 25, 2024 |
| Transfer Doc | 0000030288 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 641 Saint Charles St was $3,306.
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 | $3,306.00 | $51,339 (+8.57%) Land $13,995 Building $37,344 | $154,079 (+8.57%) Land $42,002 Building $112,077 |
| 2024 | $47,286 Land $12,890 Building $34,396 | $141,915 Land $38,685 Building $103,229 | |
| 2022 | $2,857.00 (+5.31%) Homeowner's exemption | $38,952 (+6.96%) Land $10,618 Building $28,334 | $116,856 (+6.96%) Land $31,854 Building $85,002 |
| 2021 | $2,713.00 Homeowner's exemption | $36,417 Land $9,927 Building $26,490 | $109,251 Land $29,781 Building $79,470 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 641 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 641 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures