103 Sutton Ave, Sugar Grove, IL 60554 Property Records

Kane County property record for 103 Sutton Ave, Sugar Grove, IL 60554

Property Summary

Property Type	Single Family Home
Details	2,610 sqft · built 2004
Lot Size	0.298 acres (12,974 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (Sep 2015)
Tax Bill	$10,813 (2025)
Deeds & Mortgages	Oct 2023 Mortgage May 2018 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-16-129-013`

Property Details

APN / Parcel Number

Primary APN	`14-16-129-013`

Interior

Stories	2 Stories
Building Area	2,610 sqft Living Area
Gross Area	4,397 sqft
Basement Area	1,283 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Lot Area	12,974 sqft (0.298 acres)
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	103 SUTTON AVE
City	SUGAR GROVE
State	IL
Zip	60554-2217
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINDSOR WEST UNIT 1 LOT 74
Legal Subdivision	WINDSOR WEST
Legal Block	1
Legal Lot Number	74
Legal Unit	1
Jurisdiction	KANE IL
Township / Civil Division	SUGAR GROVE
Census Block Group	1
Census Block	1075
Census Tract	854504

Owner

103 Sutton Ave is owned and occupied by two individuals who bought it in September 2015.

Source: Kane County records, as of July 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	103 SUTTON AVE, SUGAR GROVE, IL 60554-2217
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2023	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
May 11, 2018	Loan Modification, Mortgage · Conventional Mortgage PENNYMAC
May 11, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2015 · Amount on File
Deed Sale	Sep 30, 2015 · Amount on File
Prior Sale	Oct 18, 2004 · Amount on File
Deed Document Number	201553446
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	103 SUTTON AVE, SUGAR GROVE, IL 60554-2217
Transaction Type	Mortgage
Record Updated	Oct 11, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 SUTTON AVE, SUGAR GROVE, IL 60554-2217

Mortgage

Document Number	0000034286
Date	Oct 2, 2023
Instrument	2023K034286

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	479 Months
Due	Sep 1, 2063

Interest

Change Frequency	Monthly

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KANE IL
Property Address	103 SUTTON AVE, SUGAR GROVE, IL 60554-2217
Document Number	0000030218
Instrument Date	May 11, 2018
Transaction Type	Mortgage
Record Updated	Jan 14, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 SUTTON AVE SUGAR GROVE IL 605542217, SUGAR GROVE, IL 60554-2217

Mortgage

Document Number	0000030218
Date	Jun 26, 2018
Instrument	30218

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 25, 2048

Interest

Rate	4.37%

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	103 SUTTON AVE, SUGAR GROVE, IL 60554-2217
Document Number	0000029273
Instrument Date	May 11, 2018
Transaction Type	Mortgage
Record Updated	Feb 11, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 SUTTON AVE SUGAR GROVE IL 605542217, SUGAR GROVE, IL 60554-2217

Mortgage

Document Number	0000029273
Date	Jun 21, 2018
Instrument	29273

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 20, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 103 Sutton Ave was $10,813 with a homeowner's exemption.

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	Sugar Grove Township
Municipality	Sugar Grove Village
Unified School District	Kaneland Community Unit School District 302 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,813.00 Homeowner's exemption	$142,825 Land $26,146 Building $116,679	$428,646 Land $78,469 Building $350,177
2022	$9,830.00 (+3.76%) Homeowner's exemption	$110,280 (+5.08%) Land $20,188 Building $90,092	$330,840 (+5.08%) Land $60,564 Building $270,276
2021	$9,474.00 Homeowner's exemption	$104,949 Land $19,212 Building $85,737	$314,847 Land $57,636 Building $257,211

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

FEMA maps place 103 Sutton Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.

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 6 (20% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1979)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 1979 · 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

The area around 103 Sutton Ave has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	SUGAR GROVE serves 11,243 people · EPA ID IL0890850
Water Source	Groundwater
Last State Inspection	Aug 2022
Lead	Under 1 ppb (2026–2028) action level 15 ppb
Copper	1.7 mg/L (2015–2017) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 118 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

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