23 Cedar Ct, South Elgin, IL 60177 Property Records

Kane County property record for 23 Cedar Ct, South Elgin, IL 60177

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,057 sqft · built 1997
Lot Size	0.145 acres (6,315 sqft)
Owner	2 Individual Names on File
Last Sale	$316,500 (Jan 2007)
Tax Bill	$10,146 (2025)
Deeds & Mortgages	Jul 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-03-128-011`

Property Details

APN / Parcel Number

Primary APN	`09-03-128-011`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,057 sqft Living Area
Basement Area	914 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,315 sqft (0.145 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	23 CEDAR CT
City	SOUTH ELGIN
State	IL
Zip	60177-2823
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	252
Legal Subdivision	SUGAR RIDGE
Legal Block	2
Legal Lot Number	252
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	2
Census Block	2006
Census Tract	852104

Owner

23 Cedar Ct is owned and occupied by two individuals who bought it in January 2007.

Source: Kane County records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	23 CEDAR CT, SOUTH ELGIN, IL 60177-2823
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 2, 2007 · Amount on File
Deed Sale	Jan 2, 2007 · Amount on File
Prior Sale	Dec 2, 1998 · Amount on File
Deed Document Number	2007173
Prior Transfer Date	Nov 3, 1998
Prior Transfer Doc	0000111759
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	23 CEDAR CT, SOUTH ELGIN, IL 60177-2823
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034376
Date	Jul 5, 2022
Instrument	2022K034376

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	83 Months
Due	Jun 28, 2029

Tax Assessment & Valuation

The 2025 property tax bill for 23 Cedar Ct was $10,146 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	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	$10,146.00 Homeowner's exemption	$152,059 (+8.53%) Land $30,312 Building $121,747	$456,360 (+8.53%) Land $90,972 Building $365,387
2024		$140,108 Land $27,930 Building $112,178	$420,492 Land $83,824 Building $336,669
2022	$8,238.00 (+4.16%) Homeowner's exemption	$107,630 (+4.91%) Land $26,746 Building $80,884	$322,890 (+4.91%) Land $80,238 Building $242,652
2021	$7,909.00 Homeowner's exemption	$102,592 Land $25,494 Building $77,098	$307,776 Land $76,482 Building $231,294

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 23 Cedar Ct in Zone X, an area of minimal flood risk.

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	1 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

Wildfire risk around 23 Cedar Ct 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 99.1% of the US · lower than 94% 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	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 143 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20