1. Home
  2. Illinois
  3. Montgomery
  4. James St

138 James St, Montgomery, IL 60538 Property Records

Kane County property record for 138 James St, Montgomery, IL 60538

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 950 sqft · built 1954
Lot Size0.145 acres (6,325 sqft)
OwnerIndividual Name on File
Last Sale$150,000 (Jan 2020)
Tax Bill$4,470 (2025)
Deeds & MortgagesJan 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN15-33-126-012

Property Details

APN / Parcel Number

Primary APN15-33-126-012

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms5 Rooms
Stories1 Story
Building Area950 sqft Living Area
Gross Area2,252 sqft
1st Floor Area950 sqft
Basement Area950 sqft

Exterior

Year BuiltBuilt 1954
Effective Year BuiltEffective 1954
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Lot Area6,325 sqft (0.145 acres)
Lot Dimensions110 ft deep x 57.5 ft wide
Garage TypeAttached
Garage Area352 sqft
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address138 JAMES ST
CityMONTGOMERY
StateIL
Zip60538-1204
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionRIVERSIDE PARK SUBDN : LOT 9 LOT DIMENSIONS: 57.50 X 110 APPROX LOT SQ FT 6325 SUBDIVISION: RIVERSIDE SUBDN RANGE CODE: 001
Legal SubdivisionRIVERSIDE SUBDN
Legal Block2
Legal Lot Number9
JurisdictionKANE IL
Township / Civil DivisionAURORA
Census Block Group2
Census Block2007
Census Tract854002

Owner

138 James St is owned and occupied by an individual who bought it in January 2020.

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

Owner of RecordIndividual Name on File
Mailing Address138 JAMES ST, MONTGOMERY, IL 60538-1204
OccupancyOwner Occupied
Owner TypeIndividual

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

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 30, 2020 · Amount on File
Deed SaleJan 30, 2020 · Amount on File
Prior SaleAug 29, 2005 · Amount on File
Deed Document Number20205583
Prior Transfer DateAug 12, 2005
Prior Transfer Doc0000101417
Record UpdatedOct 29, 2026

January 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateJan 30, 2020
Property Address138 JAMES ST, MONTGOMERY, IL 60538-1204
Document Number0000005583
Instrument DateJan 24, 2020
Instrument2020K005583
Transaction TypeTransfer
Record UpdatedJul 27, 2021
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$150.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address138 JAMES ST, 138, MONTGOMERY, IL 60538-1204

Transferred To (Grantee/Buyer)

NameVerified Name
Address944 LIBERTY ST, AURORA, IL 60505-2820

Mortgage

Document Number0000005584
DateJan 30, 2020
Instrument2020K005584
Lender
NameOLD SECOND NATIONAL BANK
TypeBank
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueFeb 1, 2050
Interest
Rate TypeFixed Rate
Rate3.62%

Tax Assessment & Valuation

The 2025 property tax bill for 138 James St was $4,470 with a homeowner's exemption.

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

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionAurora Township
MunicipalityMontgomery Village
Unified School DistrictAurora West Unit School District 129 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,470.00 Homeowner's exemption$75,362 (+12.82%) Land $12,328 Building $63,034$226,176 (+12.82%) Land $36,999 Building $189,178
2024$66,801 Land $11,270 Building $55,531$200,483 Land $33,824 Building $166,660
2022$3,901.00 (+5.23%) Homeowner's exemption$54,459 (+7.41%) Land $9,188 Building $45,271$163,377 (+7.41%) Land $27,564 Building $135,813
2021$3,707.00 Homeowner's exemption$50,702 Land $8,554 Building $42,148$152,106 Land $25,662 Building $126,444

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 138 James 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 11 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies11 in force
Nearby Flood Claims17 (1979–2013)
Claims Outside the SFHA12 of 17
Most Recent ClaimApr 2013 · Severe Storms, Straight-line Winds, And Flooding
Claims by Event
  • Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 2 claims
  • Severe Storms And Flooding, Sep 2008 · 11 claims

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 138 James St 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 RiskNot 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 SystemMONTGOMERY
serves 28,956 people · EPA ID IL0894690
Water SourceGroundwater
Last State InspectionFeb 2023
Also Mapped HereAURORA
LeadUnder 1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting3
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

ProviderMax 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

May also be available: Watch TV.

Nearby Properties on James St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures