281 Nicole Dr, Unit E, South Elgin, IL 60177 Property Records

Kane County property record for 281 Nicole Dr, Unit E, South Elgin, IL 60177

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,552 sqft · built 2000
Owner	Individual Name on File
Last Sale	$263,000 (Sep 2023)
Tax Bill	$6,519 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-32-402-045`

Property Details

APN / Parcel Number

Primary APN	`06-32-402-045`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Units	12 Units
Stories	1 Story
Building Area	1,552 sqft Living Area
1st Floor Area	1,552 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Condo/Apartment
Construction Type	Frame
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	281 NICOLE DR, E
City	SOUTH ELGIN
State	IL
Zip	60177-3601
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THORNWOOD GROVE CONDO (LOT 5) UNIT 505-B
Legal Subdivision	THORNWOOD GROVE CONDO
Legal Block	1
Legal Lot Number	5
Legal Unit	505-B
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1016
Census Tract	851912

Owner

281 Nicole Dr, Unit E is owned and occupied by an individual who bought it in September 2023.

Source: Kane County records, as of October 14, 2026

Owner of Record	Individual Name on File
Mailing Address	281 NICOLE DR, E, SOUTH ELGIN, IL 60177-3601
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

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
Sep 21, 2023	Warranty Deed, Transfer · Conventional Mortgage NEIGHBORHOOD LOANS
Mar 7, 2017	Warranty Deed, Transfer · Conventional Mortgage CITIBANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2023 · Amount on File
Deed Sale	Sep 21, 2023 · Amount on File
Prior Sale	Mar 7, 2017 · Amount on File
Deed Document Number	202332951
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 21, 2023
Property Address	281 NICOLE DR UNIT E, E, SOUTH ELGIN, IL 60177-3601
Document Number	0000032951
Map Reference	DOC 2000K1064200
Instrument Date	Sep 7, 2023
Instrument	2023K032951
Transaction Type	Transfer
Record Updated	Sep 29, 2023
Title Company	CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$263.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	281 NICOLE DR # 505, 505, SOUTH ELGIN, IL 60177-3601

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	281 NICOLE DR # 505, 505, SOUTH ELGIN, IL 60177-3601

Mortgage

Document Number	0000032952
Date	Sep 21, 2023
Instrument	2023K032952

Lender

Name	NEIGHBORHOOD LOANS
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

Mortgage

Document Number	0000032953
Date	Sep 21, 2023
Instrument	2023K032953

Lender

Name	ILLINOIS HOUSING DEVELOPMENT AUTHORITY
Type	Government Agency
Address	CHICAGO, IL 60601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	61 Months
Due	Oct 1, 2028

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Mar 7, 2017
Property Address	281 NICOLE DR UNIT E, E, SOUTH ELGIN, IL 60177-3601
Document Number	0000011897
Instrument Date	Feb 24, 2017
Instrument	2017K011897
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$174.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	281 NICOLE DRE, 281, SOUTH ELGIN, IL 60177

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4250 N MARINE DR, CHICAGO, IL 60613-1744
Investor	Possibly a Property Investor

Mortgage

Document Number	0000011898
Date	Mar 7, 2017
Instrument	2017K011898

Lender

Name	CITIBANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 281 Nicole Dr, Unit E was $6,519 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	Elgin 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	$6,519.00	$91,757 (+8.57%) Land $20,374 Building $71,383	$275,381 (+8.57%) Land $61,146 Building $214,235
2024		$84,514 Land $18,766 Building $65,748	$253,643 Land $56,321 Building $197,323
2022	$5,658.00 (+6.57%) Homeowner's exemption	$69,620 (+6.96%) Land $15,459 Building $54,161	$208,860 (+6.96%) Land $46,377 Building $162,483
2021	$5,309.00 Homeowner's exemption	$65,090 Land $14,453 Building $50,637	$195,270 Land $43,359 Building $151,911

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 281 Nicole Dr, Unit E in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	May 2020 · 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 281 Nicole Dr, Unit E 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	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 57 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

May also be available: AT&T.

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