643 E Main St, South Elgin, IL 60177 Property Records

Kane County property record for 643 E Main St, South Elgin, IL 60177

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 864 sqft · built 1963
Lot Size	0.236 acres (10,263 sqft)
Owner	Individual Name on Record
Last Sale	$195,000 (Jul 2019)
Tax Bill	$5,544 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-35-276-002`

Property Details

APN / Parcel Number

Primary APN	`06-35-276-002`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
Gross Area	1,728 sqft
1st Floor Area	864 sqft
Basement Area	864 sqft

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Construction Type	Frame
Lot Area	10,263 sqft (0.236 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	643 E MAIN ST
City	SOUTH ELGIN
State	IL
Zip	60177-1729
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	J P CORRONS ADDN
Legal Subdivision	J P CORRONS ADDN
Legal Block	2
Legal Lot Number	2,4
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2035
Census Tract	851801

Owner

Source: Kane County records, as of October 19, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	643 E MAIN ST, SOUTH ELGIN, IL 60177-1729
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2022	Deed of Trust, Mortgage · FHA Mortgage PNC BANK NA
Nov 30, 2020	Deed of Trust, Mortgage · FHA Mortgage PNC BANK NA
Jul 11, 2019	Warranty Deed, Transfer · FHA Mortgage PNC BANK NA
May 25, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage WINTRUST MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 11, 2019 · Amount on Record
Deed Sale	Jul 11, 2019 · Amount on Record
Deed Document Number	201929581
Prior Transfer Date	May 5, 2017
Prior Transfer Doc	0000026653
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	643 E MAIN ST, SOUTH ELGIN, IL 60177-1729
Transaction Type	Mortgage
Record Updated	Mar 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 E MAIN ST, SOUTH ELGIN, IL 60177-1729

Mortgage

Document Number	0000011828
Date	Mar 2, 2022
Instrument	2022K011828

Lender

Name	PNC BANK NA
Type	Bank
Address	DAYTON, OH 45401

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	328 Months
Due	Jul 1, 2049

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	643 E MAIN ST, SOUTH ELGIN, IL 60177-1729
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000073440
Date	Nov 30, 2020
Instrument	2020K073440

Lender

Name	PNC BANK NA
Type	Bank
Address	DAYTON, OH 45401

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	344 Months
Due	Jul 1, 2049

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 11, 2019
Property Address	643 E MAIN ST, SOUTH ELGIN, IL 60177-1729
Document Number	0000029581
Instrument Date	Jun 11, 2019
Instrument	2019K029581
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$195.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	643 E MAIN ST, 643, SOUTH ELGIN, IL 60177-1729

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 E MAIN ST, SOUTH ELGIN, IL 60177-1729

Mortgage

Document Number	0000029583
Date	Jul 11, 2019
Instrument	2019K029583

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2049

Interest

Rate	3.75%

May 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	May 25, 2017
Property Address	643 E MAIN ST, SOUTH ELGIN, IL 60177-1729
Document Number	0000026653
Instrument Date	May 5, 2017
Instrument	2017K026653
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	643 E MAIN ST, SOUTH ELGIN, IL 60177-1729

Mortgage

Document Number	0000026654
Date	May 25, 2017
Instrument	2017K026654

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

Interest

Rate	4.5%

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	$5,544.00 (+13.14%) Homeowner's exemption	$82,956 (+8.57%) Land $20,470 Building $62,486	$248,968 (+8.57%) Land $61,435 Building $187,533
2024		$76,408 (+21.39%) Land $18,854 Building $57,554	$229,316 (+21.44%) Land $56,585 Building $172,731
2022	$4,900.00 (+6.48%) Homeowner's exemption	$62,942 (+6.96%) Land $15,531 Building $47,411	$188,826 (+6.96%) Land $46,593 Building $142,233
2021	$4,602.00 Homeowner's exemption	$58,846 Land $14,520 Building $44,326	$176,538 Land $43,560 Building $132,978

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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