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

Kane County property record for 774 E State St, South Elgin, IL 60177

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,632 sqft · built 1963
Lot Size	0.273 acres (11,880 sqft)
Owner	2 Individual Names on Record
Last Sale	$330,000 (Jun 2024)
Tax Bill	$6,683 (2025)
Deeds & Mortgages	Apr 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-35-279-025`

Property Details

APN / Parcel Number

Primary APN	`06-35-279-025`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,632 sqft Living Area
Gross Area	3,264 sqft
1st Floor Area	1,632 sqft
Basement Area	1,632 sqft

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Exterior Material	Brick
Lot Area	11,880 sqft (0.273 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	774 E STATE ST
City	SOUTH ELGIN
State	IL
Zip	60177-2155
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	H JEROME GILBERTS ADDN EAST 1/2 LOT 10 & ALL LOT 11 BLOCK 1
Legal Subdivision	H JEROME GILBERTS ADDN
Legal Block	1
Legal Lot Number	10,11
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	2 Individual Names on Record
Mailing Address	774 E STATE ST, SOUTH ELGIN, IL 60177-2155
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2024 · Amount on Record
Deed Sale	Jun 6, 2024 · Amount on Record
Prior Sale	May 24, 2001 · Amount on Record
Deed Document Number	202419344
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	Apr 1, 2026
Property Address	774 E STATE ST, SOUTH ELGIN, IL 60177-2155
Document Number	0000013046
Instrument Date	Mar 26, 2026
Instrument	202613046
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	774 E STATE ST, SOUTH ELGIN, IL 60177-2155

Mortgage

Document Number	0000013046,
Date	Apr 1, 2026
Instrument	202613046

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	5.99%
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	$6,683.00 (+169.37%)	$98,345 (+8.57%) Land $20,470 Building $77,875	$295,153 (+8.57%) Land $61,435 Building $233,718
2024	$2,481.00 (-20.89%)	$90,582 (+21.39%) Land $18,854 Building $71,728	$271,855 (+21.44%) Land $56,585 Building $215,270
2022	$3,136.00 (-1.2%) Homeowner's exemption	$74,618 (+6.96%) Land $15,531 Building $59,087	$223,854 (+6.96%) Land $46,593 Building $177,261
2021	$3,174.00 Homeowner's exemption	$69,762 Land $14,520 Building $55,242	$209,286 Land $43,560 Building $165,726

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 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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