649 South St, Elgin, IL 60123 Property Records

Kane County property record for 649 South St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,606 sqft · built 1913
Lot Size	0.189 acres (8,250 sqft)
Owner	Individual Name on Record
Last Sale	$179,000 (Nov 2018)
Tax Bill	$6,079 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Jun 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-14-381-014`

Property Details

APN / Parcel Number

Primary APN	`06-14-381-014`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,606 sqft Living Area
Gross Area	2,349 sqft
Basement Area	743 sqft

Exterior

Year Built	Built 1913
Effective Year Built	Effective 1913
Construction Type	Frame
Foundation Type	Raised
Lot Area	8,250 sqft (0.189 acres)
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	649 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 C
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

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	649 SOUTH ST, ELGIN, IL 60123-6251
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Nov 7, 2019	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Nov 2, 2018	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS
Jan 6, 2017	Quit Claim Deed ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 2, 2018 · Amount on Record
Deed Sale	Nov 2, 2018 · Amount on Record
Prior Sale	Dec 28, 2005 · Amount on Record
Deed Document Number	201853602
Last Transfer Date	Oct 17, 2022
Transfer Doc	0000052081
Record Updated	Oct 29, 2026

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Oct 25, 2022
Property Address	649 SOUTH ST, ELGIN, IL 60123-6251
Document Number	0000052081
Instrument Date	Oct 17, 2022
Instrument	2022K052081
Transaction Type	Transfer
Record Updated	Oct 31, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	649 SOUTH ST, ELGIN, IL 60123-6251

Mortgage

Document Number	0000052082
Date	Oct 25, 2022
Instrument	2022K052082

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	649 SOUTH ST, ELGIN, IL 60123-6251
Transaction Type	Mortgage
Record Updated	Jul 13, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000049303
Date	Jun 28, 2021
Instrument	2021K049303

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	649 SOUTH ST, ELGIN, IL 60123-6251
Document Number	0000054781
Instrument Date	Nov 7, 2019
Transaction Type	Mortgage
Record Updated	Nov 26, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	649 SOUTH ST ELGIN IL 601236251, ELGIN, IL 60123-6251

Mortgage

Document Number	0000054781
Date	Nov 13, 2019
Instrument	54781

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	Nov 12, 2039

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Nov 2, 2018
Property Address	649 SOUTH ST, ELGIN, IL 60123-6251
Document Number	0000053602
Instrument Date	Nov 1, 2018
Instrument	53602
Transaction Type	Transfer
Record Updated	Nov 12, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$268.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	621 S 2ND ST WEST DUNDEE IL 601182805, WEST DUNDEE, IL 60118-2805

Mortgage

Document Number	53603
Date	Nov 2, 2018
Instrument	53603

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2048

January 2017: Quit Claim Deed

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Jan 6, 2017
Property Address	649 SOUTH ST, ELGIN, IL 60123-6251
Document Number	0000000889
Instrument Date	Jul 13, 2016
Instrument	889
Record Updated	May 2, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	421 FOX RUN LN HAMPSHIRE IL 601409636, HAMPSHIRE, IL 60140-9636

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	Elgin City
Unified School District	School District U-46 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,079.00 (+15.83%) Homeowner's exemption	$87,687 (+8.57%) Land $17,090 Building $70,597	$263,166 (+8.57%) Land $51,291 Building $211,876
2024		$80,765 (+21.39%) Land $15,741 Building $65,024	$242,392 (+21.44%) Land $47,242 Building $195,150
2022	$5,248.00 (+4.67%) Homeowner's exemption	$66,531 (+6.96%) Land $12,967 Building $53,564	$199,593 (+6.96%) Land $38,901 Building $160,692
2021	$5,014.00 Homeowner's exemption	$62,202 Land $12,123 Building $50,079	$186,606 Land $36,369 Building $150,237

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
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.

Wildfire

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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