Kane County property record for 381 Cornwall Ave, South Elgin, IL 60177
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,348 sqft · built 1997 |
| Lot Size | 0.33 acres (14,375 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $130,000 (Nov 1997) |
| Tax Bill | $11,200 (2025) |
| Deeds & Mortgages | Jun 2024 Mortgage Dec 2025 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-34-480-005 |
| Primary APN | 06-34-480-005 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,348 sqft Living Area |
| Gross Area | 3,725 sqft |
| Basement Area | 1,377 sqft |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Construction Type | Frame |
| Lot Area | 14,375 sqft (0.33 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|
| Street Address | 381 CORNWALL AVE |
|---|---|
| City | SOUTH ELGIN |
| State | IL |
| Zip | 60177-2572 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CONCORD HIGHLANDS UNIT 3 (WILDMEADOW) LOT 60 |
| Legal Subdivision | CONCORD HIGHLANDS |
| Legal Block | 1 |
| Legal Lot Number | 60 |
| Legal Unit | 3 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 1 |
| Census Block | 1025 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 381 CORNWALL AVE, SOUTH ELGIN, IL 60177-2572 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 26, 2024 | Deed of Trust, Mortgage · Conventional Mortgage LUMINATE HOME LOANS INC |
| Dec 1, 2025 | Deed of Trust, Mortgage · Conventional Mortgage LUMINATE BANK |
| Nov 10, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 4, 1997 · Amount on Record |
| Deed Sale | Nov 4, 1997 · Amount on Record |
| Prior Sale | Apr 10, 1996 |
| Deed Document Number | 199776021 |
| Prior Transfer Date | Sep 11, 1997 |
| Prior Transfer Doc | 0000076021 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 381 CORNWALL AVE, SOUTH ELGIN, IL 60177-2572 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 381 CORNWALL AVE, SOUTH ELGIN, IL 60177-2572 |
| Document Number | 0000022125 |
|---|---|
| Date | Jun 26, 2024 |
| Instrument | 2024K022125 |
| Name | LUMINATE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | MINNEAPOLIS, MN 55405 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2054 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 7.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 381 CORNWALL AVE, SOUTH ELGIN, IL 60177-2572 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 381 CORNWALL AVE, SOUTH ELGIN, IL 60177-2572 |
| Document Number | 0000047407 |
|---|---|
| Date | Dec 1, 2025 |
| Instrument | 2025K047407 |
| Name | LUMINATE BANK |
|---|---|
| Type | Bank |
| Address | MINNEAPOLIS, MN 55405 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2055 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.62% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 381 CORNWALL AVE, SOUTH ELGIN, IL 60177-2572 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CARRINGTON TTL PARTNERS LLC |
| Name | Verified Name |
|---|
| Document Number | 0000068905 |
|---|---|
| Date | Nov 10, 2020 |
| Instrument | 2020K068905 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Oct 1, 2035 |
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 | $11,200.00 (+2.25%) Homeowner's exemption | $159,406 (+8.57%) Land $30,744 Building $128,662 | $478,409 (+8.57%) Land $92,269 Building $386,140 |
| 2024 | $10,954.00 (+10.75%) | $146,823 (+21.39%) Land $28,317 Building $118,506 | $440,645 (+21.44%) Land $84,985 Building $355,660 |
| 2022 | $9,891.00 (+6.07%) Homeowner's exemption | $120,947 (+6.96%) Land $23,326 Building $97,621 | $362,841 (+6.96%) Land $69,978 Building $292,863 |
| 2021 | $9,325.00 Homeowner's exemption | $113,077 Land $21,808 Building $91,269 | $339,231 Land $65,424 Building $273,807 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 79% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 508 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 | 100 / 20 |
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