Kane County property record for 265 E Middle St, South Elgin, IL 60177
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,228 sqft · built 1975 |
| Lot Size | 0.424 acres (18,456 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $174,000 (Oct 2014) |
| Tax Bill | $7,766 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-35-401-010 |
| Primary APN | 06-35-401-010 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,228 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Split Level |
| Construction Type | Frame |
| Lot Area | 18,456 sqft (0.424 acres) |
| Lot Width | 125 ft Width |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 265 E MIDDLE ST |
|---|---|
| City | SOUTH ELGIN |
| State | IL |
| Zip | 60177-2027 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TRUMAN GILBERTS PLAT OF EAST CLINTON (BOOK 3015/211) |
| Legal Subdivision | TRUMAN GILBERTS PLAT |
| Legal Block | 2 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 2 |
| Census Block | 2074 |
| Census Tract | 851801 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 265 E MIDDLE ST, SOUTH ELGIN, IL 60177-2027 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 1, 2014 · Amount on Record |
| Deed Sale | Oct 1, 2014 · Amount on Record |
| Deed Document Number | 201448768 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 265 E MIDDLE ST, SOUTH ELGIN, IL 60177-2027 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2022 |
| Name | Verified Name |
|---|---|
| Address | 265 E MIDDLE ST, SOUTH ELGIN, IL 60177-2027 |
| Document Number | 0000010713 |
|---|---|
| Date | Feb 24, 2022 |
| Instrument | 2022K010713 |
| Name | COMMUNITY LOAN SERVICING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MIAMI, FL 33146 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jan 1, 2052 |
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | South Elgin Village |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,766.00 (+13.21%) Homeowner's exemption | $112,986 (+8.57%) Land $21,413 Building $91,573 | $339,094 (+8.57%) Land $64,265 Building $274,829 |
| 2024 | $104,068 (+21.39%) Land $19,723 Building $84,345 | $312,329 (+21.44%) Land $59,193 Building $253,136 | |
| 2022 | $6,860.00 (+6.24%) Homeowner's exemption | $85,727 (+6.96%) Land $16,247 Building $69,480 | $257,181 (+6.96%) Land $48,741 Building $208,440 |
| 2021 | $6,457.00 Homeowner's exemption | $80,149 Land $15,190 Building $64,959 | $240,447 Land $45,570 Building $194,877 |
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.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 1 (1983) |
| Most Recent Claim | Jul 1983 · 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 351 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 |
May also be available: AT&T, Fox Valley Internet, Verizon.
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