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

Kane County property record for 720 E Main St, South Elgin, IL 60177

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,614 sqft · built 2000
Lot Size	0.98 acres (42,689 sqft)
Owner	2 Individual Names on Record
Tax Bill	$10,876 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-35-226-020`

Property Details

APN / Parcel Number

Primary APN	`06-35-226-020`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,614 sqft Living Area
Gross Area	3,926 sqft
Basement Area	1,312 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Construction Type	Frame
Lot Area	42,689 sqft (0.98 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	720 E MAIN ST
City	SOUTH ELGIN
State	IL
Zip	60177-1702
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STOLLS MINNIE L SUBDIVISION LOT 1
Legal Subdivision	STOLLS MINNIE L SUB
Legal Block	2
Legal Lot Number	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2019
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	2 Individual Names on Record
Mailing Address	720 E MAIN ST, SOUTH ELGIN, IL 60177-1702
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2023	Deed of Trust, Mortgage · Commercial Mortgage ST CHARLES BANK & TRUST CO NA
Jul 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage WINTRUST MORTGAGE
Dec 6, 2017	Deed of Trust, Mortgage · Conventional Mortgage EVOLVE BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	720 E MAIN ST, SOUTH ELGIN, IL 60177-1702
Transaction Type	Mortgage
Record Updated	Jan 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000437
Date	Jan 5, 2023
Instrument	2023K000437

Lender

Name	ST CHARLES BANK & TRUST CO NA
Type	Bank
Address	SAINT CHARLES, IL 60174

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Min Rate At Change	3.9%
Max Rate	20%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	720 E MAIN ST, SOUTH ELGIN, IL 60177-1702
Transaction Type	Mortgage
Record Updated	Jul 27, 2021
Title Company	PLYMOUTH TITLE GUARANTY CORP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000039581
Date	Jul 21, 2020
Instrument	2020K039581

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.75%

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	720 E MAIN ST, SOUTH ELGIN, IL 60177-1702
Document Number	0000066078
Instrument Date	Dec 6, 2017
Transaction Type	Mortgage
Record Updated	Jan 8, 2018
Title Company	FIRST TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	720 E MAIN ST SOUTH ELGIN IL 601771702, SOUTH ELGIN, IL 60177-1702

Mortgage

Document Number	0000066078
Date	Dec 20, 2017
Instrument	66078

Lender

Name	EVOLVE BK&TR
Type	Bank
Address	MEMPHIS, TN 38119

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 19, 2047

Interest

Rate Type	Fixed Rate
Rate	4.75%

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	$10,876.00 (+13.22%) Homeowner's exemption	$155,032 (+8.57%) Land $35,551 Building $119,481	$465,282 (+8.57%) Land $106,696 Building $358,586
2024		$142,795 (+21.39%) Land $32,745 Building $110,050	$428,556 (+21.44%) Land $98,274 Building $330,282
2022	$9,606.00 (+6.09%) Homeowner's exemption	$117,631 (+6.96%) Land $26,975 Building $90,656	$352,893 (+6.96%) Land $80,925 Building $271,968
2021	$9,055.00 Homeowner's exemption	$109,977 Land $25,220 Building $84,757	$329,931 Land $75,660 Building $254,271

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

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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