178 Vale Ave, Sugar Grove, IL 60554 Property Records

Kane County property record for 178 Vale Ave, Sugar Grove, IL 60554

Property Summary

Property Type	Single Family Home
Details	3,329 sqft · built 2005
Lot Size	0.277 acres (12,075 sqft)
Owner	2 Individual Names on File
Last Sale	$305,000 (Jul 2017)
Tax Bill	$11,562 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-16-104-004`

Property Details

APN / Parcel Number

Primary APN	`14-16-104-004`

Interior

Stories	2 Stories
Building Area	3,329 sqft Living Area
Gross Area	5,530 sqft
Basement Area	1,717 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Lot Area	12,075 sqft (0.277 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	178 VALE AVE
City	SUGAR GROVE
State	IL
Zip	60554-2240
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINDSOR WEST UNIT 1 LOT 154
Legal Subdivision	WINDSOR WEST
Legal Block	1
Legal Lot Number	154
Legal Unit	1
Jurisdiction	KANE IL
Township / Civil Division	SUGAR GROVE
Census Block Group	1
Census Block	1081
Census Tract	854504

Owner

178 Vale Ave is owned and occupied by two individuals who acquired it in August 2017.

Source: Kane County records, as of August 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	178 VALE AVE, SUGAR GROVE, IL 60554-2240
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
Jul 31, 2026	Deed of Trust, Mortgage · Line of Credit FIRST AMERICAN BANK
Mar 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Aug 25, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
Jul 18, 2017	Warranty Deed, Transfer · Conventional with PMI GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2017 · Amount on File
Deed Sale	Jul 18, 2017 · Amount on File
Prior Sale	Jul 15, 2005 · Amount on File
Deed Document Number	201736911
Last Transfer Date	Aug 15, 2017
Transfer Doc	0000044757
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	Jul 31, 2026
Property Address	178 VALE AVE, SUGAR GROVE, IL 60554-2240
Document Number	0000032653
Instrument Date	Jul 27, 2026
Instrument	202632653
Transaction Type	Mortgage
Record Updated	Aug 7, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	178 VALE AVE, SUGAR GROVE, IL 60554-2240

Mortgage

Document Number	0000032653,
Date	Jul 31, 2026
Instrument	202632653

Lender

Name	FIRST AMERICAN BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Aug 1, 2036

Interest

Rate	6.49%
Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	178 VALE AVE, SUGAR GROVE, IL 60554-2240
Transaction Type	Mortgage
Record Updated	Mar 22, 2021
Title Company	PRAIRIE DOG TITLE COMPANY, PRAIRIE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016353
Date	Mar 2, 2021
Instrument	2021K016353

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Mar 1, 2041

Interest

Rate Type	Fixed Rate
Rate	2.62%

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Aug 25, 2017
Property Address	178 VALE AVE, SUGAR GROVE, IL 60554-2240
Document Number	0000044757
Instrument Date	Aug 15, 2017
Instrument	44757
Transaction Type	Transfer
Record Updated	Sep 25, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	178 VALE AVE SUGAR GROVE IL 605542240, SUGAR GROVE, IL 60554-2240

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 18, 2017
Property Address	178 VALE AVE, SUGAR GROVE, IL 60554-2240
Document Number	0000036911
Instrument Date	Jun 23, 2017
Instrument	36911
Transaction Type	Transfer
Record Updated	Aug 3, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$457.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1065 CHESTNUT HILL LN SUGAR GROVE IL 60554, SUGAR GROVE, IL 60554

Mortgage

Document Number	36912
Date	Jul 18, 2017
Instrument	36912

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 17, 2047

Interest

Rate Type	Fixed Rate
Rate	4%

Tax Assessment & Valuation

The 2025 property tax bill for 178 Vale Ave was $11,562 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	$11,562.00 Homeowner's exemption	$152,159 (+7.83%) Land $27,640 Building $124,519	$456,660 (+7.83%) Land $82,953 Building $373,706
2024		$141,110 Land $25,633 Building $115,477	$423,499 Land $76,930 Building $346,570
2022	$10,510.00 (+3.75%) Homeowner's exemption	$117,489 (+5.08%) Land $21,342 Building $96,147	$352,467 (+5.08%) Land $64,026 Building $288,441
2021	$10,130.00 Homeowner's exemption	$111,809 Land $20,310 Building $91,499	$335,427 Land $60,930 Building $274,497

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 178 Vale 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

Wildfire risk around 178 Vale Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 130 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable	1,000 / 50
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20

May also be available: NewarkNet, Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Vale Ave

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