1386 5th St, Montgomery, IL 60538 Property Records

Kane County property record for 1386 5th St, Montgomery, IL 60538

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,536 sqft · built 1997
Lot Size	0.212 acres (9,250 sqft)
Owner	2 Individual Names on File
Last Sale	$185,000 (Mar 2020)
Tax Bill	$4,292 (2025)
Deeds & Mortgages	Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-34-330-043`

Property Details

APN / Parcel Number

Primary APN	`15-34-330-043`

Interior

Full Baths	1 Bath
Stories	2 Stories
Building Area	1,536 sqft Living Area
Gross Area	1,816 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Split Level
Construction Type	Frame
Lot Area	9,250 sqft (0.212 acres)
Lot Dimensions	185 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	280 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	1386 5TH ST
City	MONTGOMERY
State	IL
Zip	60538-1706
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W B MILLERS 2ND ADD : PT LOT 49 & ALL LOT 50 & : PT LOT 51 BLK 10 & PT ALLEY
Legal Subdivision	W B MILLERS 2ND ADD
Legal Block	10
Legal Lot Number	49-51
Jurisdiction	KANE IL
Township / Civil Division	AURORA
Census Block Group	2
Census Block	2048
Census Tract	854401

Owner

1386 5th St is owned and occupied by two individuals who bought it in March 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	1386 5TH ST, MONTGOMERY, IL 60538-1706
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 9, 2020 · Amount on File
Deed Sale	Mar 9, 2020 · Amount on File
Prior Sale	Apr 16, 2014 · Amount on File
Deed Document Number	202012259
Record Updated	Oct 29, 2026

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Mar 9, 2020
Property Address	1386 5TH ST, MONTGOMERY, IL 60538-1706
Document Number	0000012259
Instrument Date	Feb 24, 2020
Instrument	2020K012259
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$185.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1386 FIFTH STREET, CHICAGO, IL 60638

Mortgage

Document Number	0000012260
Date	Mar 9, 2020
Instrument	2020K012260

Lender

Name	MIDLAND STATES BANK
Type	Bank

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	3.62%

Tax Assessment & Valuation

The 2025 property tax bill for 1386 5th St was $4,292 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 East Unit School District 131 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,292.00 Homeowner's exemption	$82,754 (+9.39%) Land $6,060 Building $76,694	$248,361 (+9.39%) Land $18,187 Building $230,174
2024		$75,651 Land $5,540 Building $70,111	$227,044 Land $16,627 Building $210,417
2022	$3,583.00 (+1.56%) Homeowner's exemption	$61,673 (+7.41%) Land $4,516 Building $57,157	$185,019 (+7.41%) Land $13,548 Building $171,471
2021	$3,528.00 Homeowner's exemption	$57,418 Land $4,204 Building $53,214	$172,254 Land $12,612 Building $159,642

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 1386 5th St in Zone X, an area of minimal flood risk, within 100 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	4 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

The area around 1386 5th 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 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
Also Mapped Here	AURORA
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 466 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Metronet, T-Mobile, Watch TV.

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