Kane County property record for 641 South St, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,560 sqft · built 1918 |
| Lot Size | 0.17 acres (7,425 sqft) |
| Owner | Individual Name on File |
| Last Sale | $135,000 (Nov 2016) |
| Tax Bill | $5,423 (2025) |
| Deeds & Mortgages | May 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-14-381-015 |
| Primary APN | 06-14-381-015 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,560 sqft Living Area |
| Gross Area | 2,340 sqft |
| Basement Area | 780 sqft |
| Year Built | Built 1918 |
|---|---|
| Effective Year Built | Effective 1918 |
| Construction Type | Frame |
| Lot Area | 7,425 sqft (0.17 acres) |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|
| Street Address | 641 SOUTH ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-6251 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUPERVISORS ASSESSMENT PLAT BLOCK 7 J C & W H KIMBALLS ADDN TO ELGIN & LOT 111 COUNTY CLERKS SUB B |
| Legal Subdivision | COUNTY CLERKS SUB |
| Legal Block | 7 |
| Legal Lot Number | 111 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 5 |
| Census Block | 5001 |
| Census Tract | 851600 |
641 South St is owned and occupied by an individual who bought it in November 2016.
Source: Kane County records, as of July 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 641 SOUTH ST, ELGIN, IL 60123-6251 |
| 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 Sale | Nov 10, 2016 · Amount on File |
| Deed Sale | Nov 10, 2016 · Amount on File |
| Prior Sale | Oct 10, 2003 · Amount on File |
| Deed Document Number | 201662204 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 641 SOUTH ST, ELGIN, IL 60123-6251 |
| Transaction Type | Mortgage |
| Record Updated | May 16, 2023 |
| Title Company | TITLE365 - OMAHA, TITLE365 OMAHA |
| Name | Verified Name |
|---|
| Document Number | 0000014389 |
|---|---|
| Date | May 5, 2023 |
| Instrument | 2023K014389 |
| Name | CORPORATE AMERICA FAMILY CU |
|---|---|
| Type | Credit Union |
| Address | ELGIN, IL 60123 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | May 4, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 641 South St was $5,423 with a homeowner's exemption.
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 | $5,423.00 Homeowner's exemption | $79,092 (+8.57%) Land $15,366 Building $63,726 | $237,371 (+8.57%) Land $46,116 Building $191,255 |
| 2024 | $72,849 Land $14,153 Building $58,696 | $218,634 Land $42,476 Building $176,158 | |
| 2022 | $5,203.00 (+3.96%) | $60,010 (+6.96%) Land $11,659 Building $48,351 | $180,030 (+6.96%) Land $34,977 Building $145,053 |
| 2021 | $5,005.00 | $56,105 Land $10,900 Building $45,205 | $168,315 Land $32,700 Building $135,615 |
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.
FEMA maps place 641 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.
The area around 641 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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