409 Cambridge Ave, Elburn, IL 60119 Property Records

Kane County property record for 409 Cambridge Ave, Elburn, IL 60119

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,253 sqft · built 1995
Lot Size	0.267 acres (11,626 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Jun 2022)
Tax Bill	$10,174 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-06-402-023`

Property Details

APN / Parcel Number

Primary APN	`11-06-402-023`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,253 sqft Living Area
Basement Area	1,361 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Colonial
Exterior Material	Metal
Lot Area	11,626 sqft (0.267 acres)
Lot Dimensions	152 ft deep x 75 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch

Utilities, Heating & Cooling

Cooling System	Central
Water Source	Commercial

Location & Zoning

Street Address	409 CAMBRIDGE AVE
City	ELBURN
State	IL
Zip	60119-8355
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PHASE2 48
Legal Subdivision	CAMBRIDGE WEST PH 02
Legal Block	1
Legal Lot Number	48
Jurisdiction	KANE IL
Township / Civil Division	BLACKBERRY
Census Block Group	1
Census Block	1058
Census Tract	854507

Owner

Source: Kane County records, as of July 21, 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	409 CAMBRIDGE AVE, ELBURN, IL 60119-8355
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2022	Warranty Deed, Transfer · FHA Mortgage MUTUAL OF OMAHA MORTGAGE INC
Jun 9, 2021	Intrafamily Transfer, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jul 19, 2017	Warranty Deed, Transfer · Conventional Mortgage BAY EQUITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2022 · Amount on Record
Deed Sale	Jun 28, 2022 · Amount on Record
Prior Sale	Jun 9, 2021
Deed Document Number	202233377
Prior Transfer Date	Apr 10, 2021
Prior Transfer Doc	0000044098
Record Updated	Sep 20, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 28, 2022
Property Address	409 CAMBRIDGE AVE, ELBURN, IL 60119-8355
Document Number	0000033377
Instrument Date	Jun 14, 2022
Instrument	2022K033377
Transaction Type	Transfer
Record Updated	Jul 4, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
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 in Common
Address	409 CAMBRIDGE AVE, ELBURN, IL 60119-8355

Mortgage

Document Number	0000033378
Date	Jun 28, 2022
Instrument	2022K033378

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Fixed Rate
Rate	5.25%

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Jun 9, 2021
Property Address	409 CAMBRIDGE AVE, ELBURN, IL 60119-8355
Document Number	0000044098
Instrument Date	Apr 10, 2021
Instrument	2021K044098
Transaction Type	Transfer
Record Updated	Jun 23, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	409 CAMBRIDGE AVE, ELBURN, IL 60119-8355

Mortgage

Document Number	0000044099
Date	Jun 9, 2021
Instrument	2021K044099

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	May 1, 2051

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 19, 2017
Property Address	409 CAMBRIDGE AVE, ELBURN, IL 60119-8355
Document Number	0000037141
Instrument Date	Jul 13, 2017
Instrument	37141
Transaction Type	Transfer
Record Updated	Aug 3, 2017
Title Company	BAIRD AND WARNER TITLE SERVICES INC, BAIRD & WARNER TITLE SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$417.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	N414 DOOLEY DR GENEVA IL 60119, GENEVA, IL 60119

Mortgage

Document Number	37142
Date	Jul 19, 2017
Instrument	37142

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	SAUSALITO, CA 94965

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 18, 2047

Interest

Rate Type	Fixed Rate
Rate	4.62%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 2025

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	Blackberry Township
Municipality	Elburn Village
Unified School District	Kaneland Community Unit School District 302 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,174.00 (+17.52%) Homeowner's exemption
2024		$124,885 (+26.81%) Land $13,407 Building $111,478	$374,805 (+26.86%) Land $40,237 Building $334,568
2022	$8,657.00 (+3.38%) Homeowner's exemption	$98,485 (+4.48%) Land $11,105 Building $87,380	$295,455 (+4.48%) Land $33,315 Building $262,140
2021	$8,374.00 Homeowner's exemption	$94,262 Land $10,629 Building $83,633	$282,786 Land $31,887 Building $250,899

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

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
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2021)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2021 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 74% 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	ELBURN serves 6,559 people · EPA ID IL0890300
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 150 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20
Watch TV Fixed Wireless	100 / 20

May also be available: Verizon, Xfinity.

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