2196 Sutton Dr, South Elgin, IL 60177 Property Records

Kane County property record for 2196 Sutton Dr, South Elgin, IL 60177

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,377 sqft · built 2000
Lot Size	0.248 acres (10,800 sqft)
Owner	2 Company Names on Record
Last Sale	$385,000 (Aug 2014)
Deeds & Mortgages	Mar 2022 Transfer Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-05-380-017`

Property Details

APN / Parcel Number

Primary APN	`09-05-380-017`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,377 sqft Living Area
Basement Area	1,079 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	10,800 sqft (0.248 acres)
Garage Type	Attached
Garage Area	497 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
Sewer	Storm Sewer
Water Source	Commercial

Location & Zoning

Street Address	2196 SUTTON DR
City	SOUTH ELGIN
State	IL
Zip	60177-3264
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THORNWOOD PHASE 2A - LOT 38
Legal Subdivision	THORNWOOD
Legal Phase	2A
Legal Block	5
Legal Lot Number	38
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	5
Census Block	5029
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 Company Names on Record
Mailing Address	PO BOX 651, SOUTH ELGIN, IL 60177-0651
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2022	Intrafamily Transfer, Transfer ATTORNEY
Jul 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Jul 5, 2017	Deed of Trust, Mortgage · VA Mortgage BOKF NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 18, 2014 · Amount on Record
Deed Sale	Aug 18, 2014 · Amount on Record
Prior Sale	Sep 17, 2010 · Amount on Record
Deed Document Number	201440593
Last Transfer Date	Feb 23, 2022
Transfer Doc	0000012918
Record Updated	Oct 29, 2026

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Mar 8, 2022
Property Address	2196 SUTTON DR, SOUTH ELGIN, IL 60177-3264
Document Number	0000012918
Instrument Date	Feb 23, 2022
Instrument	2022K012918
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 651, SOUTH ELGIN, IL 60177-0651

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	2196 SUTTON DR, SOUTH ELGIN, IL 60177-3264
Transaction Type	Mortgage
Record Updated	Jul 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000051984
Date	Jul 7, 2021
Instrument	2021K051984

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jun 1, 2051

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	2196 SUTTON DR, SOUTH ELGIN, IL 60177-3264
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034529
Date	Jul 5, 2017
Instrument	2017K034529

Lender

Name	BOKF NA
Type	Bank
Address	TULSA, OK 74153

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 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	Homeowner's exemption Veteran's exemption	$206,890 (+8.53%) Land $32,333 Building $174,557	$620,918 (+8.53%) Land $97,038 Building $523,881
2024		$190,630 (+26.89%) Land $29,792 Building $160,838	$572,119 (+26.94%) Land $89,412 Building $482,707
2022	Disabled Person's exemption Veteran's exemption	$150,233 Land $26,563 Building $123,670	$450,699 Land $79,689 Building $371,010

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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