203 Joy Ct, Sugar Grove, IL 60554 Property Records

Kane County property record for 203 Joy Ct, Sugar Grove, IL 60554

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,320 sqft · built 1988
Lot Size	0.262 acres (11,410 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (Jul 2021)
Tax Bill	$7,154 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-21-277-010`

Property Details

APN / Parcel Number

Primary APN	`14-21-277-010`

Interior

Bedrooms	3 Beds
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,320 sqft Living Area
Gross Area	1,980 sqft
1st Floor Area	1,320 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Ranch
Lot Area	11,410 sqft (0.262 acres)
Garage Type	Attached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Water Source	Commercial

Location & Zoning

Street Address	203 JOY CT
City	SUGAR GROVE
State	IL
Zip	60554-5418
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHEFFIELD PLAINS UNIT # 1 LOT 28
Legal Subdivision	SHEFFIELD PLAINS
Legal Block	3
Legal Lot Number	28
Legal Unit	1
Jurisdiction	KANE IL
Township / Civil Division	SUGAR GROVE
Census Block Group	3
Census Block	3009
Census Tract	854509

Owner

203 Joy Ct is owned and occupied by two individuals who bought it in July 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	203 JOY CT, SUGAR GROVE, IL 60554-5418
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 2, 2021	Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Oct 20, 2017	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF OMAHA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2021 · Amount on File
Deed Sale	Jul 2, 2021 · Amount on File
Prior Sale	Oct 20, 2017 · Amount on File
Deed Document Number	202151091
Prior Transfer Date	Jan 27, 2020
Prior Transfer Doc	0000009322
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 2, 2021
Property Address	203 JOY CT, SUGAR GROVE, IL 60554-5418
Document Number	0000051091
Instrument Date	May 20, 2021
Instrument	2021K051091
Transaction Type	Transfer
Record Updated	Jul 16, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$225.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 JOY CT, SUGAR GROVE, IL 60554-5418
Investor	Possibly a Property Investor

Mortgage

Document Number	0000051092
Date	Jul 2, 2021
Instrument	2021K051092

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jun 1, 2051

Interest

Rate	2.99%

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 20, 2017
Property Address	203 JOY CT, SUGAR GROVE, IL 60554-5418
Document Number	0000055066
Instrument Date	Oct 13, 2017
Instrument	2017K055066
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	BALRD & WAMER TITLE SERVI8CE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$195.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4332 COFFMAN COURT, SUGAR GROVE, IL 60554

Mortgage

Document Number	0000055067
Date	Oct 20, 2017
Instrument	2017K055067

Lender

Name	FIRST NATIONAL BANK OF OMAHA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 203 Joy Ct was $7,154 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	$7,154.00 Homeowner's exemption	$97,197 (+7.83%) Land $21,859 Building $75,338	$291,708 (+7.83%) Land $65,603 Building $226,104
2024		$90,139 Land $20,272 Building $69,867	$270,525 Land $60,840 Building $209,685
2022	$6,509.00 (-4.81%) Homeowner's exemption	$75,050 (+5.08%) Land $16,879 Building $58,171	$225,150 (+5.08%) Land $50,637 Building $174,513
2021	$6,838.00	$71,422 Land $16,063 Building $55,359	$214,266 Land $48,189 Building $166,077

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 203 Joy Ct in Zone X, an area of minimal flood risk.

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	2 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

Wildfire risk around 203 Joy Ct 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	None beyond 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	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 243 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
AT&T Fixed Wireless	100 / 20

May also be available: Verizon, Xfinity.

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