301 Cherry St, South Elgin, IL 60177 Property Records

Kane County property record for 301 Cherry St, South Elgin, IL 60177

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,415 sqft · built 1988
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$232,000 (Oct 2020)
Tax Bill	$7,703 (2025)
Deeds & Mortgages	May 2018 Line of Credit Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-35-405-008`

Property Details

APN / Parcel Number

Primary APN	`06-35-405-008`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,415 sqft Living Area
Gross Area	2,830 sqft
1st Floor Area	1,415 sqft
Basement Area	1,415 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	301 CHERRY ST
City	SOUTH ELGIN
State	IL
Zip	60177-2009
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRUMAN GILBERTS PLAT OF EAST CLINTON LOT 4 DESC IN DOC 1337631 (EXCEPT DOC 1528299)
Legal Subdivision	TRUMAN GILBERTS PLAT
Legal Block	3
Legal Lot Number	4
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3008
Census Tract	851801

Owner

301 Cherry St is owned and occupied by two individuals who bought it in October 2020.

Source: Kane County records, as of July 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	301 CHERRY ST, SOUTH ELGIN, IL 60177-2009
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
May 24, 2018	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK
Oct 23, 2020	Deed, Transfer · Conventional Mortgage SYNERGY ONE LENDING
Jun 19, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 23, 2020 · Amount on File
Deed Sale	Oct 23, 2020 · Amount on File
Deed Document Number	202064003
Prior Transfer Date	May 23, 2017
Prior Transfer Doc	0000031183
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	301 CHERRY ST, SOUTH ELGIN, IL 60177-2009
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024102
Date	May 24, 2018
Instrument	2018K024102

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 25, 2048

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	Oct 23, 2020
Property Address	301 CHERRY ST, SOUTH ELGIN, IL 60177-2009
Document Number	0000064003
Instrument Date	Aug 17, 2020
Instrument	2020K064003
Transaction Type	Transfer
Record Updated	Jan 17, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$232.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	301 CHERRY ST, SOUTH ELGIN, IL 60177-2009

Mortgage

Document Number	0000064004
Date	Oct 23, 2020
Instrument	2020K064004

Lender

Name	SYNERGY ONE LENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Sep 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.87%

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Jun 19, 2017
Property Address	301 CHERRY ST, SOUTH ELGIN, IL 60177-2009
Document Number	0000031183
Instrument Date	May 23, 2017
Instrument	31183
Transaction Type	Transfer
Record Updated	Jul 12, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	301 CHERRY ST SOUTH ELGIN IL 601772009, SOUTH ELGIN, IL 60177-2009

Tax Assessment & Valuation

The 2025 property tax bill for 301 Cherry St was $7,703 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	School District U-46 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,703.00 Homeowner's exemption	$112,138 (+8.57%) Land $17,454 Building $94,684	$336,549 (+8.57%) Land $52,383 Building $284,166
2024		$103,286 Land $16,076 Building $87,210	$309,982 Land $48,247 Building $261,735
2022	$6,805.00 (+6.25%) Homeowner's exemption	$85,083 (+6.96%) Land $13,242 Building $71,841	$255,249 (+6.96%) Land $39,726 Building $215,523
2021	$6,405.00 Homeowner's exemption	$79,546 Land $12,380 Building $67,166	$238,638 Land $37,140 Building $201,498

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 301 Cherry St 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
Flood Insurance Cost	Premium on File median of 23 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	23 in force
Nearby Flood Claims	33 (1978–2020)
Claims Outside the SFHA	2 of 33
Most Recent Claim	May 2020 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 5 claims Severe Storms And Flooding, Sep 2008 · 16 claims

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 301 Cherry 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 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 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.

Nearby Properties on Cherry St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures