410 W Reader St, Elburn, IL 60119 Property Records

Kane County property record for 410 W Reader St, Elburn, IL 60119

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · built 1900
Lot Size	0.45 acres (19,643 sqft)
Owner	Individual Name on Record
Last Sale	$380,000 (May 2026)
Tax Bill	$8,535 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit May 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11-06-226-002`

Property Details

APN / Parcel Number

Primary APN	`11-06-226-002`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
Lot Area	19,643 sqft (0.45 acres)
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	410 W READER ST
City	ELBURN
State	IL
Zip	60119-8213
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	PIONEER VILLAGE CONDO
Legal Block	1
Legal Lot Number	2
Jurisdiction	KANE IL
Township / Civil Division	BLACKBERRY
Census Block Group	1
Census Block	1032
Census Tract	854507

Owner

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	Individual Name on Record
Mailing Address	1506 WEBER RD, SAINT CHARLES, IL 60174-4655
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jan 15, 2026	Deed of Trust, Mortgage · Line of Credit US BANK NA
May 11, 2026	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORPORATION
Jun 8, 2021	Administrator's Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 10, 2018	Deed of Trust, Mortgage · Conventional Mortgage MIDWEST COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 11, 2026 · Amount on Record
Deed Sale	May 11, 2026 · Amount on Record
Prior Sale	Jun 8, 2021 · Amount on Record
Deed Document Number	202619271
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	410 W READER ST, ELBURN, IL 60119-8213
Transaction Type	Mortgage
Record Updated	May 20, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 W READER ST, ELBURN, IL 60119-8213

Mortgage

Document Number	0000002095
Date	Jan 15, 2026
Instrument	2026K002095

Lender

Name	US BANK NA
Type	Bank
Address	HOPKINS, MN 55343

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Dec 28, 2055

Interest

Rate Type	Adjustable Rate
Rate	8.45%
Change Frequency	Monthly

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 11, 2026
Property Address	410 W READER ST, ELBURN, IL 60119-8213
Document Number	0000019271
Instrument Date	Apr 10, 2026
Instrument	2026.19271
Transaction Type	Transfer
Record Updated	May 20, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLUTI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$57,570.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1506 WEBER RD, ST CHARLES, IL 60174-4655
Investor	Possibly a Property Investor

Mortgage

Document Number	0000019272,
Date	May 11, 2026
Instrument	2026.19272

Lender

Name	AMERICAN PACIFIC MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.25%
Initial Type	Fixed Rate
Max Rate	-1%

June 2021: Administrator's Deed, Transfer

Document Type	Administrator's Deed
Jurisdiction	KANE IL
Recording Date	Jun 8, 2021
Property Address	410 W READER ST, ELBURN, IL 60119-8213
Document Number	0000043525
Instrument Date	Mar 30, 2021
Instrument	2021K043525
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	FIDELITY NATIONAL TITLE INSURANCE NY, FIDELITY NATIONAL TITLE INS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	410 W READER ST, ELBURN, IL 60119-8213

Mortgage

Document Number	0000043526
Date	Jun 8, 2021
Instrument	2021K043526

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	410 W READER ST, ELBURN, IL 60119-8213
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000044346
Date	Sep 10, 2018
Instrument	2018K044346

Lender

Name	MIDWEST COMMUNITY BANK
Type	Bank
Address	SAINT CHARLES, IL 60174

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

Source: Kane County assessment roll, as of July 23, 2026

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	$8,535.00 (+3.37%) Homeowner's exemption	$116,203 (+8.89%) Land $21,559 Building $94,644	$348,748 (+8.89%) Land $64,703 Building $284,046
2024	$8,257.00 (+24.13%)	$106,716 (+37.25%) Land $19,799 Building $86,917	$320,276 (+37.31%) Land $59,421 Building $260,855
2022	$6,652.00 (+2.39%) Homeowner's exemption	$77,751 (+4.4%) Land $16,400 Building $61,351	$233,253 (+4.4%) Land $49,200 Building $184,053
2021	$6,497.00 Homeowner's exemption	$74,474 Land $15,697 Building $58,777	$223,422 Land $47,091 Building $176,331

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 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	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 219 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon, Watch TV, Xfinity.

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