Kane County property record for 970 Saint Charles St, Elgin, IL 60120
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 857 sqft · built 1925 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $84,000 (Feb 2026) |
| Tax Bill | $4,094 (2025) |
| Deeds & Mortgages | Feb 2026 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-24-457-009 |
| Primary APN | 06-24-457-009 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 857 sqft Living Area |
| Gross Area | 1,714 sqft |
| 1st Floor Area | 857 sqft |
| Basement Area | 857 sqft |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Construction Type | Frame |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Street Address | 970 SAINT CHARLES ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-8468 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WM REDEKERS 2ND ADDN LOT 4 BLOCK 8 |
| Legal Subdivision | WM REDEKERS 2ND ADDN |
| Legal Block | 8 |
| Legal Lot Number | 4 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 1 |
| Census Block | 1036 |
| Census Tract | 851500 |
970 Saint Charles St is owned and occupied by an individual who bought it in February 2026.
Source: Kane County records, as of July 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 970 SAINT CHARLES ST, ELGIN, IL 60120-8468 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 9, 2026 · Amount on File |
| Deed Sale | Feb 9, 2026 · Amount on File |
| Prior Sale | Aug 12, 2013 · Amount on File |
| Deed Document Number | 20265238 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Feb 9, 2026 |
| Property Address | 970 SAINT CHARLES ST, ELGIN, IL 60120-8468 |
| Document Number | 0000005238 |
| Instrument Date | Nov 6, 2025 |
| Instrument | 2026K005238 |
| Transaction Type | Transfer |
| Record Updated | Feb 17, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Tax | $84.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 970 SAINT CHARLES ST, ELGIN, IL 60120-8468 |
The 2025 property tax bill for 970 Saint Charles St was $4,094, up 3.5% from the year before.
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,094.00 (+3.51%) | $53,665 (+8.57%) Land $13,635 Building $40,030 | $161,059 (+8.57%) Land $40,921 Building $120,138 |
| 2024 | $3,955.00 | $49,429 Land $12,559 Building $36,870 | $148,346 Land $37,692 Building $110,654 |
| 2022 | $3,530.00 (+3.95%) | $40,718 (+6.96%) Land $10,346 Building $30,372 | $122,154 (+6.96%) Land $31,038 Building $91,116 |
| 2021 | $3,396.00 | $38,069 Land $9,673 Building $28,396 | $114,207 Land $29,019 Building $85,188 |
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.
FEMA maps place 970 Saint Charles St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 7 in force |
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 risk around 970 Saint Charles 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 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ELGIN serves 114,797 people · EPA ID IL0894380 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | 19 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 8 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.
Source: FCC Broadband Data Collection, based on 270 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Astound Broadband Cable | 1,500 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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