Kane County property record for 976 Saint Charles St, Elgin, IL 60120
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 950 sqft · built 1909 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $44,000 (Oct 2013) |
| Tax Bill | $4,454 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-24-457-010 |
| Primary APN | 06-24-457-010 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 950 sqft Living Area |
| Gross Area | 1,900 sqft |
| 1st Floor Area | 950 sqft |
| Basement Area | 950 sqft |
| Year Built | Built 1909 |
|---|---|
| Effective Year Built | Effective 1909 |
| Exterior Material | Brick |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Street Address | 976 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 5 (EXCEPT SOUTHEASTELY TRIANGLE BEING 83 FT ON SOUTHERLY LINE 5 FT ON WESTERLY LINE & 0 FT ON EASTERLY LINE) BLOCK 8 |
| Legal Subdivision | WM REDEKERS 2ND ADDN |
| Legal Block | 1 |
| Legal Lot Number | 5 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 1 |
| Census Block | 1036 |
| Census Tract | 851500 |
976 Saint Charles St is owned by an individual who bought it in October 2013.
Source: Kane County records, as of July 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 251 COLLEGE ST, ELGIN, IL 60120-4233 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 7, 2013 · Amount on File |
| Deed Sale | Oct 7, 2013 · Amount on File |
| Deed Document Number | 201372045 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 976 Saint Charles St was $4,454.
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 | $4,454.00 | $58,393 (+8.57%) Land $13,635 Building $44,758 | $175,249 (+8.57%) Land $40,921 Building $134,328 |
| 2024 | $53,784 Land $12,559 Building $41,225 | $161,417 Land $37,692 Building $123,724 | |
| 2022 | $3,841.00 (+3.95%) | $44,306 (+6.96%) Land $10,346 Building $33,960 | $132,918 (+6.96%) Land $31,038 Building $101,880 |
| 2021 | $3,695.00 | $41,423 Land $9,673 Building $31,750 | $124,269 Land $29,019 Building $95,250 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 976 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 976 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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