Kane County property record for 3 Cedar Ct, South Elgin, IL 60177
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,810 sqft · built 1997 |
| Lot Size | 0.169 acres (7,350 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $9,380 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Sep 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-03-128-009 |
| Primary APN | 09-03-128-009 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,810 sqft Living Area |
| Basement Area | 886 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,350 sqft (0.169 acres) |
| Garage Type | Attached |
| Garage Area | 443 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Deck Area | Deck Area |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 3 CEDAR CT |
|---|---|
| City | SOUTH ELGIN |
| State | IL |
| Zip | 60177-2823 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUGAR RIDGE UNIT 1 LOT 243 |
| Legal Subdivision | SUGAR RIDGE |
| Legal Block | 2 |
| Legal Lot Number | 243 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 852104 |
3 Cedar Ct is owned and occupied by an individual who acquired it in June 2025.
Source: Kane County records, as of July 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3 CEDAR CT, SOUTH ELGIN, IL 60177-2823 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 10, 2026 | Deed of Trust, Mortgage · VA Mortgage PLAZA HOME MORTGAGE INC |
| Sep 28, 2020 | Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 18, 2025 |
| Deed Sale | Jun 18, 2025 |
| Prior Sale | Sep 28, 2020 · Amount on File |
| Deed Document Number | 202522497 |
| Prior Transfer Date | Jun 10, 2025 |
| Prior Transfer Doc | 0000022497 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 3 CEDAR CT, SOUTH ELGIN, IL 60177-2823 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Title Company | HEARTLAND TITLE COMPANY, WHEATLAND TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 3 CEDAR CT, SOUTH ELGIN, IL 60177-2823 |
| Document Number | 0000009466 |
|---|---|
| Date | Mar 10, 2026 |
| Instrument | 2026K009466 |
| Name | PLAZA HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92121 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Rate | 5.5% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Sep 28, 2020 |
| Property Address | 3 CEDAR CT, SOUTH ELGIN, IL 60177-2823 |
| Document Number | 0000056436 |
| Map Reference | DOC 92K07042 |
| Instrument Date | Jul 28, 2020 |
| Instrument | 2020K056436 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $275.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3 CEDAR CT, SOUTH ELGIN, IL 60177-2823 |
| Document Number | 0000056437 |
|---|---|
| Date | Sep 28, 2020 |
| Instrument | 2020K056437 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Aug 1, 2050 |
The 2025 property tax bill for 3 Cedar Ct was $9,380.
Source: Kane County assessment roll, as of July 23, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,380.00 | $141,183 (+8.53%) Land $30,312 Building $110,871 | $423,718 (+8.53%) Land $90,972 Building $332,746 |
| 2024 | $130,087 Land $27,930 Building $102,157 | $390,417 Land $83,824 Building $306,594 | |
| 2022 | $7,696.00 (+4.17%) Homeowner's exemption | $100,954 (+4.91%) Land $26,746 Building $74,208 | $302,862 (+4.91%) Land $80,238 Building $222,624 |
| 2021 | $7,388.00 Homeowner's exemption | $96,229 Land $25,494 Building $70,735 | $288,687 Land $76,482 Building $212,205 |
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.
FEMA maps place 3 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 risk around 3 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.
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 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 |
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