1037 Sard Ave, Montgomery, IL 60538 Property Records

Kane County property record for 1037 Sard Ave, Montgomery, IL 60538

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 873 sqft · built 1955
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on File
Last Sale	$146,500 (Jul 2020)
Tax Bill	$3,463 (2025)
Deeds & Mortgages	Mar 2018 Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-28-352-023`

Property Details

APN / Parcel Number

Primary APN	`15-28-352-023`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	873 sqft Living Area
Gross Area	1,962 sqft
Basement Area	609 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Construction Type	Frame
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	1037 SARD AVE
City	MONTGOMERY
State	IL
Zip	60538-1218
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PART SW 1/4 SEC 28-38-8 LOT DIMENSIONS: 0.28 ACRES APPROX LOT SQ FT 12197 SUBDIVISION: RUSS & SOUTH END ADDN RANGE CODE: 001
Legal Range	08
Legal Township	38
Legal Section	28
Legal Subdivision	RUSS&SOUTH END ADDN
Legal Block	1
Jurisdiction	KANE IL
Township / Civil Division	AURORA
Census Block Group	1
Census Block	1008
Census Tract	854002

Owner

1037 Sard Ave is owned and occupied by an individual who bought it in July 2020.

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

Owner of Record	Individual Name on File
Mailing Address	1037 SARD AVE, MONTGOMERY, IL 60538-1218
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2018	Deed of Trust, Mortgage · FHA Mortgage JPMORGAN CHASE BANK NA
Jul 17, 2020	Special Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 17, 2020 · Amount on File
Deed Sale	Jul 17, 2020 · Amount on File
Prior Sale	Sep 12, 2006 · Amount on File
Deed Document Number	202038786
Record Updated	Oct 29, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1037 SARD AVE, MONTGOMERY, IL 60538-1218
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014018
Date	Mar 28, 2018
Instrument	2018K014018

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Feb 1, 2048

July 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 17, 2020
Property Address	1037 SARD AVE, MONTGOMERY, IL 60538-1218
Document Number	0000038786
Instrument Date	Jun 7, 2020
Instrument	2020K038786
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CENTNGTON TITLE PARTNERS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$146.50
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1037 SARD AVE, 1037, MONTGOMERY, IL 60538-1218

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	842 COTUMBIA STREET, AURORA, IL 60505-2816

Mortgage

Document Number	0000038787
Date	Jul 17, 2020
Instrument	2020K038787

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.25%

Tax Assessment & Valuation

The 2025 property tax bill for 1037 Sard Ave was $3,463 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	Aurora Township
Municipality	Montgomery Village
Unified School District	Aurora West Unit School District 129 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,463.00 Homeowner's exemption	$60,191 (+9.39%) Land $8,117 Building $52,074	$180,645 (+9.39%) Land $24,361 Building $156,285
2024		$55,024 Land $7,420 Building $47,604	$165,138 Land $22,269 Building $142,869
2022	$2,991.00 (+5.5%) Homeowner's exemption	$43,162 (+7.41%) Land $6,049 Building $37,113	$129,486 (+7.41%) Land $18,147 Building $111,339
2021	$2,835.00 Homeowner's exemption	$40,185 Land $5,632 Building $34,553	$120,555 Land $16,896 Building $103,659

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 1037 Sard Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 1037 Sard 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	MONTGOMERY serves 28,956 people · EPA ID IL0894690
Water Source	Groundwater
Last State Inspection	Feb 2023
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 275 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

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