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

Kane County property record for 654 E State St, South Elgin, IL 60177

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 936 sqft · built 1959
Lot Size	0.182 acres (7,920 sqft)
Owner	Individual Name on Record
Last Sale	$197,000 (Aug 2019)
Tax Bill	$5,795 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-35-279-017`

Property Details

APN / Parcel Number

Primary APN	`06-35-279-017`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	936 sqft Living Area
Gross Area	1,872 sqft
1st Floor Area	936 sqft
Basement Area	936 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Ranch
Construction Type	Frame
Lot Area	7,920 sqft (0.182 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	654 E STATE ST
City	SOUTH ELGIN
State	IL
Zip	60177-2153
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	H JEROME GILBERTS ADDN LOT 9 BLOCK 2
Legal Subdivision	H JEROME GILBERTS ADDN
Legal Block	2
Legal Lot Number	9
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2036
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	654 E STATE ST, SOUTH ELGIN, IL 60177-2153
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2020	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Aug 1, 2019	Grant Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2019 · Amount on Record
Deed Sale	Aug 1, 2019 · Amount on Record
Prior Sale	Jun 23, 2006 · Amount on Record
Deed Document Number	201934059
Prior Transfer Date	Sep 30, 2012
Prior Transfer Doc	0000031444
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	654 E STATE ST, SOUTH ELGIN, IL 60177-2153
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TTL OF OR

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000047653
Date	Aug 24, 2020
Instrument	2020K047653

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.87%

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KANE IL
Recording Date	Aug 1, 2019
Property Address	654 E STATE ST, SOUTH ELGIN, IL 60177-2153
Document Number	0000034059
Instrument Date	Jul 9, 2019
Instrument	34059
Transaction Type	Transfer
Record Updated	Aug 15, 2019
Title Company	HOME CLOSING SERVICES INC, HOME CLOSING SVCS INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$295.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 E STATE ST SOUTH ELGIN IL 601772153, SOUTH ELGIN, IL 60177-2153

Mortgage

Document Number	34060
Date	Aug 1, 2019
Instrument	34060

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 31, 2049

Interest

Rate Type	Fixed Rate

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	$5,795.00 (+13.16%) Homeowner's exemption	$86,342 (+8.57%) Land $16,160 Building $70,182	$259,130 (+8.57%) Land $48,499 Building $210,630
2024		$79,526 (+21.39%) Land $14,884 Building $64,642	$238,673 (+21.44%) Land $44,670 Building $194,004
2022	$5,121.00 (+6.44%) Homeowner's exemption	$65,511 (+6.96%) Land $12,261 Building $53,250	$196,533 (+6.96%) Land $36,783 Building $159,750
2021	$4,811.00 Homeowner's exemption	$61,248 Land $11,463 Building $49,785	$183,744 Land $34,389 Building $149,355

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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