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

Kane County property record for 775 E State St, South Elgin, IL 60177

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,320 sqft · built 1961
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on Record
Last Sale	$335,000 (Feb 2026)
Tax Bill	$6,756 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Feb 2026 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`06-35-280-012`

Property Details

APN / Parcel Number

Primary APN	`06-35-280-012`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,320 sqft Living Area
Gross Area	2,640 sqft
1st Floor Area	1,320 sqft
Basement Area	1,320 sqft

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Exterior Material	Brick
Lot Area	5,663 sqft (0.13 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	775 E STATE ST
City	SOUTH ELGIN
State	IL
Zip	60177-2154
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NONE LOT 4D SEC 35-41-8
Legal Range	08
Legal Township	41
Legal Section	35
Legal Subdivision	H JEROME GILBERTS ADD
Legal Block	2
Legal Lot Number	4D
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2058
Census Tract	851801

Owner

Source: Kane County records, as of August 24, 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	775 E STATE ST, SOUTH ELGIN, IL 60177-2154
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2023	Deed of Trust, Mortgage · Line of Credit KANE COUNTY TEACHERS CU
Feb 24, 2026	Warranty Deed, Transfer · Conventional Mortgage NEIGHBORHOOD LOANS
Nov 10, 2020	Deed of Trust, Mortgage · VA Mortgage DRAPER & KRAMER MORTGAGE CORP
Jan 29, 2018	Warranty Deed, Transfer · VA Mortgage DRAPER & KRAMER MORTGAGE CORP
Aug 30, 2017	Grant Deed, Transfer ATTORNEY ONLY
Jul 13, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 24, 2026 · Amount on Record
Deed Sale	Feb 24, 2026 · Amount on Record
Prior Sale	Jan 29, 2018 · Amount on Record
Deed Document Number	20267474
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	775 E STATE ST, SOUTH ELGIN, IL 60177-2154
Transaction Type	Mortgage
Record Updated	Mar 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000030859
Date	Sep 6, 2023
Instrument	2023K030859

Lender

Name	KANE COUNTY TEACHERS CU
Type	Credit Union
Address	ELGIN, IL 60123

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 5, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Feb 24, 2026
Property Address	775 E STATE ST, SOUTH ELGIN, IL 60177-2154
Document Number	0000007474
Instrument Date	Jan 14, 2026
Instrument	2026K007474
Transaction Type	Transfer
Record Updated	Mar 9, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$335.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	775 E STATE ST, SOUTH ELGIN, IL 60177-2154

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	775 E STATE ST, SOUTH ELGIN, IL 60177-2154

Mortgage

Document Number	0000007475
Date	Feb 24, 2026
Instrument	2026K007475

Lender

Name	NEIGHBORHOOD LOANS
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.5%

Mortgage

Document Number	0000007476
Date	Feb 24, 2026
Instrument	2026K007476

Lender

Name	NEIGHBORHOOD LOANS
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Feb 1, 2036

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	775 E STATE ST, SOUTH ELGIN, IL 60177-2154
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	GREATER ILLINOIS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000068675
Date	Nov 10, 2020
Instrument	2020K068675

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Oct 1, 2050

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 29, 2018
Property Address	775 E STATE ST, SOUTH ELGIN, IL 60177-2154
Document Number	0000004672
Instrument Date	Jan 16, 2018
Instrument	2018K004672
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$210.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	975 DORAL DR, 975, BARTLETT, IL 60103-3030

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	775 SOUTH ST, WEST POINT, KY 40177-1253

Mortgage

Document Number	0000004673
Date	Jan 29, 2018
Instrument	2018K004673

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

Interest

Rate Type	Fixed Rate
Rate	3.87%

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KANE IL
Recording Date	Aug 30, 2017
Property Address	775 E STATE ST, SOUTH ELGIN, IL 60177-2154
Document Number	0000045731
Instrument Date	Aug 4, 2017
Instrument	45731
Transaction Type	Transfer
Record Updated	Sep 25, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$201.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	975 DORAL DR BARTLETT IL 601033030, BARTLETT, IL 60103-3030

July 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	KANE IL
Recording Date	Jul 13, 2017
Property Address	775 E STATE ST, SOUTH ELGIN, IL 60177-2154
Document Number	0000036164
Instrument Date	Jul 7, 2017
Instrument	36164
Transaction Type	Foreclosure
Record Updated	Aug 2, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Notice of Foreclosure Sale Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1661 WORTHINGTON RD #100 WEST PALM BEACH FL 334096493, 100, WEST PALM BEACH, FL 33409-6493

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	$6,756.00 (+2.55%) Homeowner's exemption	$99,331 (+8.57%) Land $15,296 Building $84,035	$298,112 (+8.57%) Land $45,906 Building $252,206
2024	$6,588.00 (+10.37%) Homeowner's exemption	$91,491 (+21.39%) Land $14,089 Building $77,402	$274,583 (+21.44%) Land $42,284 Building $232,299
2022	$5,969.00 (+6.32%) Homeowner's exemption	$75,367 (+6.96%) Land $11,606 Building $63,761	$226,101 (+6.96%) Land $34,818 Building $191,283
2021	$5,614.00 Homeowner's exemption	$70,463 Land $10,851 Building $59,612	$211,389 Land $32,553 Building $178,836

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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