655 Mill St, South Elgin, IL 60177 Property Records

Kane County property record for 655 Mill St, South Elgin, IL 60177

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 952 sqft · built 1956
Lot Size	0.182 acres (7,920 sqft)
Owner	Individual Name on File
Last Sale	$75,000 (Jun 2021)
Tax Bill	$5,743 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-35-279-004`

Property Details

APN / Parcel Number

Primary APN	`06-35-279-004`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	952 sqft Living Area
Gross Area	1,904 sqft
1st Floor Area	952 sqft
Basement Area	952 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Construction Type	Frame
Lot Area	7,920 sqft (0.182 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	655 MILL ST
City	SOUTH ELGIN
State	IL
Zip	60177-1740
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	H JEROME GILBERTS ADDN LOT 4 BLOCK 2
Legal Subdivision	H JEROME GILBERTS ADDN
Legal Block	2
Legal Lot Number	4
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2036
Census Tract	851801

Owner

655 Mill St is owned and occupied by an individual who bought it in June 2021.

Source: Kane County records, as of July 23, 2026

Owner of Record	Individual Name on File
Mailing Address	655 MILL ST, SOUTH ELGIN, IL 60177-1740
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2025	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC
Jun 30, 2021	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2021 · Amount on File
Deed Sale	Jun 30, 2021 · Amount on File
Deed Document Number	202150243
Prior Transfer Date	Jul 20, 2001
Prior Transfer Doc	0000080815
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	655 MILL ST, SOUTH ELGIN, IL 60177-1740
Transaction Type	Mortgage
Record Updated	Sep 25, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 MILL ST, SOUTH ELGIN, IL 60177-1740

Mortgage

Document Number	0000035881
Date	Sep 17, 2025
Instrument	2025K035881

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	309 Months
Due	Jun 1, 2051

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 30, 2021
Property Address	655 MILL ST, SOUTH ELGIN, IL 60177-1740
Document Number	0000050243
Instrument Date	Apr 7, 2021
Instrument	2021K050243
Transaction Type	Transfer
Record Updated	Jul 14, 2021
Title Company	CITYWIDE TITLE CORPORATION, CITYWIDE TITLE CORP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$75.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2950 BOULEVARD RD, 2950, BEARDSTOWN, IL 62618-8344

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 MILL ST, SOUTH ELGIN, IL 60177-1740

Mortgage

Document Number	0000050244
Date	Jun 30, 2021
Instrument	2021K050244

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3%

Tax Assessment & Valuation

The 2025 property tax bill for 655 Mill St was $5,743 with a homeowner's exemption.

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	$5,743.00 Homeowner's exemption	$85,645 (+8.57%) Land $16,160 Building $69,485	$257,038 (+8.57%) Land $48,499 Building $208,538
2024		$78,884 Land $14,884 Building $64,000	$236,747 Land $44,670 Building $192,077
2022	$5,075.00 (-4.06%) Homeowner's exemption	$64,982 (+6.96%) Land $12,261 Building $52,721	$194,946 (+6.96%) Land $36,783 Building $158,163
2021	$5,290.00	$60,753 Land $11,463 Building $49,290	$182,259 Land $34,389 Building $147,870

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 655 Mill St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1983.

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

Wildfire risk around 655 Mill St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 79% 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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