151 Beach Ct, South Elgin, IL 60177 Property Records

Kane County property record for 151 Beach Ct, South Elgin, IL 60177

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,190 sqft · built 1940
Lot Size	0.269 acres (11,703 sqft)
Owner	Individual Name on Record
Last Sale	$350,000 (Aug 2026)
Tax Bill	$3,864 (2022)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Sep 2022 Sale & Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`06-26-378-016`

Property Details

APN / Parcel Number

Primary APN	`06-26-378-016`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,190 sqft Living Area
1st Floor Area	2,190 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Construction Type	Frame
Foundation Type	Raised
Lot Area	11,703 sqft (0.269 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	151 BEACH CT
City	SOUTH ELGIN
State	IL
Zip	60177-1604
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FOX RIVER BEACH S ELGIN LOTS 41 & 42 BLOCK 3
Legal Subdivision	FOX RIVER BEACH S ELGIN
Legal Block	3
Legal Lot Number	41,42
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1028
Census Tract	854900

Owner

Source: Kane County records, as of September 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	509 CENTER ST, ELGIN, IL 60120-3714
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2026	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION
Sep 14, 2022	Warranty Deed, Transfer · VA Mortgage DRAPER & KRAMER MORTGAGE CORP
Jun 24, 2022	Warranty Deed, Transfer · Conventional Mortgage OLD NATIONAL BANK
May 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST MIDWEST BK
Jun 19, 2019	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 28, 2026 · Amount on Record
Deed Sale	Aug 28, 2026 · Amount on Record
Prior Sale	Sep 14, 2022 · Amount on Record
Deed Document Number	202637370
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 28, 2026
Property Address	151 BEACH CT, SOUTH ELGIN, IL 60177-1604
Document Number	0000037370
Instrument Date	Jul 22, 2026
Instrument	202637370
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$53,025.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 CENTER ST, ELGIN, IL 60120-3714

Mortgage

Document Number	0000037371,
Date	Aug 28, 2026
Instrument	202637371

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.99%
Initial Type	Fixed Rate
Max Rate	-1%

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 14, 2022
Property Address	151 BEACH CT, SOUTH ELGIN, IL 60177-1604
Document Number	0000045974
Map Reference	MB 25 PG 27
Instrument Date	Sep 7, 2022
Instrument	2022K045974
Transaction Type	Transfer
Record Updated	Sep 20, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$321.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	151 BEACH CT, SOUTH ELGIN, IL 60177-1604

Mortgage

Document Number	0000045975
Date	Sep 14, 2022
Instrument	2022K045975

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Fixed Rate
Rate	4.5%

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 24, 2022
Property Address	151 BEACH CT, SOUTH ELGIN, IL 60177-1604
Document Number	0000032903
Map Reference	MB 25 PG 27
Instrument Date	Jun 10, 2022
Instrument	2022K032903
Transaction Type	Transfer
Record Updated	Jul 4, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	19404 ROCK POINTE WAY # 205, 205, LANNON, WI 53046-0080

Mortgage

Document Number	0000032904
Date	Jun 24, 2022
Instrument	2022K032904

Lender

Name	OLD NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	8.25%
Index	Other
Max Rate	8.25%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	151 BEACH CT, SOUTH ELGIN, IL 60177-1604
Document Number	0000034324
Instrument Date	May 27, 2020
Transaction Type	Mortgage
Record Updated	Aug 6, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	151 BEACH CT SOUTH ELGIN IL 601771604, SOUTH ELGIN, IL 60177-1604

Mortgage

Document Number	0000034324
Date	Jun 29, 2020
Instrument	34324

Lender

Name	FIRST MIDWEST BK
Type	Bank
Address	GURNEE, IL 60031

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 28, 2050

Interest

Rate Type	Fixed Rate
Rate	5%

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KANE IL
Recording Date	Jun 19, 2019
Property Address	151 BEACH CT, SOUTH ELGIN, IL 60177-1604
Document Number	0000025656
Instrument Date	Jun 12, 2019
Instrument	25656
Transaction Type	Transfer
Record Updated	Jun 27, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$150.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4650 GRANDFIELD DR ST CHARLES IL 601755825, ST CHARLES, IL 60175-5825

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	Elgin Township
Municipality	South Elgin Village
Unified School District	School District U-46 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	Homeowner's exemption Veteran's exemption	$84,752 (+8.57%) Land $20,470 Building $64,282	$254,358 (+8.57%) Land $61,435 Building $192,923
2024		$78,062 (+30.38%) Land $18,854 Building $59,208	$234,280 (+30.44%) Land $56,585 Building $177,695
2022	$3,864.00 (-20.72%) Disabled Person's exemption Veteran's exemption	$59,871 (+6.96%) Land $15,531 Building $44,340	$179,613 (+6.96%) Land $46,593 Building $133,020
2021	$4,874.00	$55,975 Land $14,520 Building $41,455	$167,925 Land $43,560 Building $124,365

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 23 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	23 in force
Nearby Flood Claims	1 (2007)
Most Recent Claim	Aug 2007 · Severe Storms And Flooding

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

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	SOUTH ELGIN serves 23,648 people · EPA ID IL0890800
Water Source	Groundwater
Last State Inspection	Apr 2024
Lead	1 ppb (2026) action level 15 ppb
Copper	1.5 mg/L (2024) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	Barium not recorded as resolved · Apr 2026
Treatment and Procedure	Corrosion control Jul 2025
Monitoring and Reporting	5 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 119 locations within half a mile, as of December 31, 2025

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

May also be available: Fox Valley Internet.

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