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

Kane County property record for 645 E State St, South Elgin, IL 60177

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,368 sqft · built 1992
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$372,000 (May 2026)
Tax Bill	$6,467 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-35-280-031`

Property Details

APN / Parcel Number

Primary APN	`06-35-280-031`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,368 sqft Living Area
Gross Area	2,052 sqft
Basement Area	684 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Construction Type	Frame
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	645 E STATE ST
City	SOUTH ELGIN
State	IL
Zip	60177-2152
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NONE THAT PART OF THE NORTHEAST 1/4 SEC 35-41-8 DESC IN DOC 92K31565
Legal Range	08
Legal Township	41
Legal Section	35
Legal Subdivision	VILLAS/GLENEAGLE FARM CONDO
Legal Block	2
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2058
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	Individual Name on Record
Mailing Address	4944 W BELMONT AVE, CHICAGO, IL 60641-4331
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2026 · Amount on Record
Deed Sale	May 15, 2026 · Amount on Record
Deed Document Number	202620048
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 15, 2026
Property Address	645 E STATE ST, SOUTH ELGIN, IL 60177-2152
Document Number	0000020048
Instrument Date	Apr 5, 2026
Instrument	202620048
Transaction Type	Transfer
Record Updated	Jun 2, 2026
Title Company	PROPERTY TITLE, PROPER TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$56,358.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4944 W BELMONT AVE, CHICAGO, IL 60641-4331

Mortgage

Document Number	0000020049,
Date	May 15, 2026
Instrument	202620049

Lender

Name	SOLUTIONS FINANCIAL MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

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	$6,467.00 (+3.41%) Homeowner's exemption Senior Citizen's exemption	$103,428 (+8.57%) Land $19,393 Building $84,035	$310,408 (+8.57%) Land $58,202 Building $252,206
2024	$6,254.00 (+0.29%)	$95,264 (+21.39%) Land $17,862 Building $77,402	$285,906 (+21.44%) Land $53,607 Building $232,299
2022	$6,236.00 (+6.29%) Homeowner's exemption	$78,475 (+6.96%) Land $14,714 Building $63,761	$235,425 (+6.96%) Land $44,142 Building $191,283
2021	$5,867.00 Homeowner's exemption	$73,369 Land $13,757 Building $59,612	$220,107 Land $41,271 Building $178,836

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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