2147 Sutton Dr, South Elgin, IL 60177 Property Records

Kane County property record for 2147 Sutton Dr, South Elgin, IL 60177

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 3,073 sqft · built 1999
Lot Size	0.294 acres (12,789 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,000 (Jul 2017)
Tax Bill	$13,911 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-05-454-008`

Property Details

APN / Parcel Number

Primary APN	`09-05-454-008`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,073 sqft Living Area
Basement Area	1,218 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,789 sqft (0.294 acres)
Garage Type	Attached
Garage Area	705 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2147 SUTTON DR
City	SOUTH ELGIN
State	IL
Zip	60177-3249
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	13
Legal Subdivision	THORNWOOD SUB
Legal Block	5
Legal Lot Number	13
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	2147 SUTTON DR, SOUTH ELGIN, IL 60177-3249
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2022	Deed of Trust, Mortgage · Line of Credit KANE COUNTY TEACHERS CU
Feb 13, 2020	Deed of Trust, Mortgage · Conventional with PMI CALIBER HM LOANS
Jul 11, 2017	Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2017 · Amount on Record
Deed Sale	Jul 11, 2017 · Amount on Record
Prior Sale	Nov 21, 2000 · Amount on Record
Deed Document Number	201735609
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	2147 SUTTON DR, SOUTH ELGIN, IL 60177-3249
Transaction Type	Mortgage
Record Updated	Jul 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034039
Date	Jun 30, 2022
Instrument	2022K034039

Lender

Name	KANE COUNTY TEACHERS CU
Type	Credit Union
Address	ELGIN, IL 60123

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 29, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	2147 SUTTON DR, SOUTH ELGIN, IL 60177-3249
Document Number	0000009232
Instrument Date	Feb 13, 2020
Transaction Type	Mortgage
Record Updated	Mar 4, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2147 SUTTON DR SOUTH ELGIN IL 601773249, SOUTH ELGIN, IL 60177-3249

Mortgage

Document Number	0000009232
Date	Feb 21, 2020
Instrument	9232

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 20, 2050

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 11, 2017
Property Address	2147 SUTTON DR, SOUTH ELGIN, IL 60177-3249
Document Number	0000035609
Instrument Date	Jun 28, 2017
Instrument	35609
Transaction Type	Transfer
Record Updated	Jul 31, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$540.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1106 N PLUM GROVE RD SCHAUMBURG IL 601734688, SCHAUMBURG, IL 60173-4688

Mortgage

Document Number	35610
Date	Jul 11, 2017
Instrument	35610

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 10, 2047

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	$13,911.00 (+15.26%) Homeowner's exemption	$190,935 (+8.53%) Land $30,312 Building $160,623	$573,034 (+8.53%) Land $90,972 Building $482,062
2024		$175,929 (+21.68%) Land $27,930 Building $147,999	$527,998 (+21.73%) Land $83,824 Building $444,175
2022	$12,069.00 (+4.11%) Homeowner's exemption	$144,580 (+4.91%) Land $24,902 Building $119,678	$433,740 (+4.91%) Land $74,706 Building $359,034
2021	$11,593.00 Homeowner's exemption	$137,814 Land $23,737 Building $114,077	$413,442 Land $71,211 Building $342,231

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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