394 Cherry St, South Elgin, IL 60177 Property Records

Kane County property record for 394 Cherry St, South Elgin, IL 60177

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,588 sqft · built 1978
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$219,000 (Jun 2019)
Tax Bill	$7,058 (2025)
Deeds & Mortgages	May 2018 Line of Credit Jun 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`06-35-333-007`

Property Details

APN / Parcel Number

Primary APN	`06-35-333-007`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,588 sqft Living Area
1st Floor Area	1,588 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Construction Type	Frame
Foundation Type	Raised
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	394 CHERRY ST
City	SOUTH ELGIN
State	IL
Zip	60177-2010
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRUMAN GILBERTS PLAT OF EAST CLINTON SOUTHERLY 66 FT OF LOT 2 BLOCK 6
Legal Subdivision	TRUMAN GILBERTS PLAT
Legal Block	6
Legal Lot Number	2
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3006
Census Tract	851801

Owner

394 Cherry St is owned and occupied by two individuals who bought it in June 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	394 CHERRY ST, SOUTH ELGIN, IL 60177-2010
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 18, 2018	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA
Jun 25, 2019	Warranty Deed, Transfer · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2019 · Amount on File
Deed Sale	Jun 25, 2019 · Amount on File
Prior Sale	Nov 13, 2001 · Amount on File
Deed Document Number	201926696
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	394 CHERRY ST, SOUTH ELGIN, IL 60177-2010
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023308
Date	May 18, 2018
Instrument	2018K023308

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 14, 2048

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 25, 2019
Property Address	394 CHERRY ST, SOUTH ELGIN, IL 60177-2010
Document Number	0000026696
Instrument Date	Jun 14, 2019
Instrument	2019K026696
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$219.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1023 BOSTON HBR, 1023, SCHAUMBURG, IL 60193-4205

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	394 CHERRY ST, SOUTH ELGIN, IL 60177-2010

Mortgage

Document Number	0000026697
Date	Jun 25, 2019
Instrument	2019K026697

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

Interest

Rate Type	Fixed Rate
Rate	5.12%

Tax Assessment & Valuation

The 2025 property tax bill for 394 Cherry St was $7,058 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	$7,058.00 Homeowner's exemption	$103,425 (+8.57%) Land $17,454 Building $85,971	$310,399 (+8.57%) Land $52,383 Building $258,016
2024		$95,261 Land $16,076 Building $79,185	$285,897 Land $48,247 Building $237,650
2022	$6,236.00 (+6.31%) Homeowner's exemption	$78,472 (+6.96%) Land $13,242 Building $65,230	$235,416 (+6.96%) Land $39,726 Building $195,690
2021	$5,866.00 Homeowner's exemption	$73,365 Land $12,380 Building $60,985	$220,095 Land $37,140 Building $182,955

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 394 Cherry St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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 394 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