2195 Sutton Dr, South Elgin, IL 60177 Property Records

Kane County property record for 2195 Sutton Dr, South Elgin, IL 60177

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 3,105 sqft · built 1999
Lot Size	0.294 acres (12,806 sqft)
Owner	2 Individual Names on Record
Last Sale	$365,000 (Jun 2015)
Tax Bill	$14,118 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Apr 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`09-05-381-007`

Property Details

APN / Parcel Number

Primary APN	`09-05-381-007`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,105 sqft Living Area
Basement Area	1,304 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,806 sqft (0.294 acres)
Garage Type	Attached
Garage Area	793 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
Sewer	Municipal
Water Source	Well

Location & Zoning

Street Address	2195 SUTTON DR
City	SOUTH ELGIN
State	IL
Zip	60177-3249
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 25 IN THORNWOOD PHASE IIA
Legal Subdivision	THORNWOOD
Legal Phase	2A
Legal Block	5
Legal Lot Number	25
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	2195 SUTTON DR, SOUTH ELGIN, IL 60177-3249
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA
Apr 14, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2015 · Amount on Record
Deed Sale	Jun 17, 2015 · Amount on Record
Prior Sale	Jun 17, 2015 · Amount on Record
Deed Document Number	201531266
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	2195 SUTTON DR, SOUTH ELGIN, IL 60177-3249
Document Number	0000021780
Instrument Date	Apr 24, 2020
Transaction Type	Mortgage
Record Updated	Jul 8, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2195 SUTTON DR SOUTH ELGIN IL 601773249, SOUTH ELGIN, IL 60177-3249

Mortgage

Document Number	0000021780
Date	Apr 30, 2020
Instrument	21780

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 29, 2035

Interest

Rate	2.75%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	2195 SUTTON DR, SOUTH ELGIN, IL 60177-3249
Document Number	0000022179
Instrument Date	Apr 14, 2017
Transaction Type	Mortgage
Record Updated	Aug 20, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2195 SUTTON DR SOUTH ELGIN IL 601773249, SOUTH ELGIN, IL 60177-3249

Mortgage

Document Number	0000022179
Date	May 3, 2017
Instrument	22179

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 2, 2047

Interest

Rate Type	Adjustable Rate

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	$14,118.00 (+16.58%) Homeowner's exemption	$193,658 (+8.53%) Land $30,312 Building $163,346	$581,206 (+8.53%) Land $90,972 Building $490,234
2024		$178,438 (+23.37%) Land $27,930 Building $150,508	$535,528 (+23.42%) Land $83,824 Building $451,705
2022	$12,110.00 (+4.11%) Homeowner's exemption	$144,634 (+4.91%) Land $24,902 Building $119,732	$433,902 (+4.91%) Land $74,706 Building $359,196
2021	$11,632.00 Homeowner's exemption	$137,865 Land $23,737 Building $114,128	$413,595 Land $71,211 Building $342,384

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	Low lower than 97% of the US · lower than 79% 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	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 62 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Metronet.

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