2123 Sutton Dr, South Elgin, IL 60177 Property Records

Kane County property record for 2123 Sutton Dr, South Elgin, IL 60177

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,243 sqft · built 1999
Lot Size	0.297 acres (12,935 sqft)
Owner	2 Individual Names on Record
Last Sale	$706,500 (Aug 2024)
Tax Bill	$16,702 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Nov 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-05-454-019`

Property Details

APN / Parcel Number

Primary APN	`09-05-454-019`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,243 sqft Living Area
Basement Area	1,099 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,935 sqft (0.297 acres)
Garage Type	Attached
Garage Area	773 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	2123 SUTTON DR
City	SOUTH ELGIN
State	IL
Zip	60177-3249
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	9
Legal Subdivision	THORNWOOD SUB
Legal Block	5
Legal Lot Number	9
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	5
Census Block	5028
Census Tract	852101

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	2123 SUTTON DR, SOUTH ELGIN, IL 60177-3249
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2025	Deed of Trust, Mortgage · Conventional Mortgage NBKC BANK
Nov 13, 2023	Deed of Trust, Mortgage · Line of Credit ST CHARLES BANK & TRUST CO NA
Sep 22, 2018	Loan Modification, Mortgage · Conventional Mortgage ST CHARLES BK&TR
Sep 13, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 8, 2024 · Amount on Record
Deed Sale	Aug 8, 2024 · Amount on Record
Prior Sale	May 3, 2000 · Amount on Record
Deed Document Number	202427986
Prior Transfer Date	Jul 3, 2018
Prior Transfer Doc	0000045013
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	2123 SUTTON DR, SOUTH ELGIN, IL 60177-3249
Transaction Type	Mortgage
Record Updated	Oct 2, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2123 SUTTON DR, SOUTH ELGIN, IL 60177-3249
Investor	Possibly a Property Investor

Mortgage

Document Number	0000033743
Date	Sep 4, 2025
Instrument	2025K033743

Lender

Name	NBKC BANK
Type	Bank
Address	KANSAS CITY, MO 64114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2040

Interest

Rate Type	Fixed Rate
Rate	5.75%
Change Frequency	Annually

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	2123 SUTTON DR, SOUTH ELGIN, IL 60177-3249
Transaction Type	Mortgage
Record Updated	Nov 20, 2023
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000039609
Date	Nov 13, 2023
Instrument	2023K039609

Lender

Name	ST CHARLES BANK & TRUST CO NA
Type	Bank
Address	SAINT CHARLES, IL 60174

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KANE IL
Property Address	2123 SUTTON DR, SOUTH ELGIN, IL 60177-3249
Document Number	0000050402
Instrument Date	Sep 22, 2018
Transaction Type	Mortgage
Record Updated	Oct 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	2123 SUTTON DR SOUTH ELGIN IL 601773249, SOUTH ELGIN, IL 60177-3249

Mortgage

Document Number	0000050402
Date	Oct 15, 2018
Instrument	50402

Lender

Name	ST CHARLES BK&TR
Type	Bank
Address	ST CHARLES, IL 60174

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Sep 13, 2018
Property Address	2123 SUTTON DR, SOUTH ELGIN, IL 60177-3249
Document Number	0000045013
Instrument Date	Jul 3, 2018
Instrument	45013
Transaction Type	Transfer
Record Updated	Sep 24, 2018
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	Personal Trust
Address	2123 SUTTON DR SOUTH ELGIN IL 601773249, SOUTH ELGIN, IL 60177-3249

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	St. Charles Township
Municipality	South Elgin Village
Unified School District	St. Charles Community Unit School District 303 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$16,702.00 (+35.57%)	$227,632 (+8.53%) Land $32,333 Building $195,299	$683,169 (+8.53%) Land $97,038 Building $586,131
2024		$209,741 (+41.36%) Land $29,792 Building $179,949	$629,475 (+41.42%) Land $89,412 Building $540,063
2022	$12,320.00 (+4.1%) Homeowner's exemption	$148,374 (+4.91%) Land $26,563 Building $121,811	$445,122 (+4.91%) Land $79,689 Building $365,433
2021	$11,835.00 Homeowner's exemption	$141,430 Land $25,320 Building $116,110	$424,290 Land $75,960 Building $348,330

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

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 5 (25% 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

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 251 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
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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