222 S 3rd St, Elburn, IL 60119 Property Records

Kane County property record for 222 S 3rd St, Elburn, IL 60119

Property Summary

Property Type	Single Family Home
Details	built 1972
Lot Size	0.161 acres (7,016 sqft)
Owner	2 Individual Names on File
Last Sale	$215,000 (Sep 2021)
Tax Bill	$6,800 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-05-157-012`

Property Details

APN / Parcel Number

Primary APN	`11-05-157-012`

Exterior

Year Built	Built 1972
Lot Area	7,016 sqft (0.161 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	222 S 3RD ST
City	ELBURN
State	IL
Zip	60119-8000
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	10 12 EX N15 DDITION TO ELBURN
Legal Subdivision	JOHNSONS ADD/BLACKBERRY
Legal Block	1
Legal Lot Number	12
Jurisdiction	KANE IL
Township / Civil Division	BLACKBERRY
Census Block Group	1
Census Block	1019
Census Tract	854507

Owner

222 S 3rd St is owned and occupied by two individuals who bought it in September 2021.

Source: Kane County records, as of September 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	222 S 3RD ST, ELBURN, IL 60119-8000
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Nov 4, 2025	Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA
Sep 8, 2021	Warranty Deed, Transfer · Conventional Mortgage LOAN CABIN INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2021 · Amount on File
Deed Sale	Sep 8, 2021 · Amount on File
Deed Document Number	202168278
Prior Transfer Date	May 10, 2002
Prior Transfer Doc	0000115017
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	222 S 3RD ST, ELBURN, IL 60119-8000
Transaction Type	Mortgage
Record Updated	Nov 14, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	222 S 3RD ST, ELBURN, IL 60119-8000

Mortgage

Document Number	0000043446
Date	Nov 4, 2025
Instrument	2025K043446

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Nov 3, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 8, 2021
Property Address	222 S 3RD ST, ELBURN, IL 60119-8000
Document Number	0000068278
Instrument Date	Sep 8, 2021
Instrument	2021K068278
Transaction Type	Transfer
Record Updated	Aug 29, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$215.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	222 S 3RD ST, ELBURN, IL 60119-8000

Mortgage

Document Number	0000068279
Date	Sep 8, 2021
Instrument	2021K068279

Lender

Name	LOAN CABIN INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3%

Tax Assessment & Valuation

The 2025 property tax bill for 222 S 3rd St was $6,800 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	Blackberry Township
Municipality	Elburn 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	$6,800.00 Homeowner's exemption	$93,545 (+8.89%) Land $8,613 Building $84,932	$280,747 (+8.89%) Land $25,849 Building $254,898
2024		$85,908 Land $7,910 Building $77,998	$257,827 Land $23,739 Building $234,088
2022	$5,454.00 (+13.81%) Homeowner's exemption	$64,268 (+4.48%) Land $6,552 Building $57,716	$192,804 (+4.48%) Land $19,656 Building $173,148
2021	$4,792.00 Homeowner's exemption	$61,512 Land $6,271 Building $55,241	$184,536 Land $18,813 Building $165,723

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 222 S 3rd St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2021.

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
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2021)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2021 · rainfall accumulation

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 222 S 3rd St 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	ELBURN serves 6,559 people · EPA ID IL0890300
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 137 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Watch TV, Xfinity.

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