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421 S Main St, Montgomery, IL 60538 Property Records

Kane County property record for 421 S Main St, Montgomery, IL 60538

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 1,569 sqft · built 1960
Lot Size0.171 acres (7,440 sqft)
Owner2 Individual Names on File
Tax Bill$5,547 (2025)
Deeds & MortgagesJun 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN15-32-455-001

Property Details

APN / Parcel Number

Primary APN15-32-455-001

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms7 Rooms
Stories1 Story
Building Area1,569 sqft Living Area
Gross Area2,747 sqft
Basement Area782 sqft

Exterior

Year BuiltBuilt 1960
Effective Year BuiltEffective 1960
Construction TypeFrame
Lot Area7,440 sqft (0.171 acres)
Lot Dimensions124 ft deep x 60 ft wide
Garage TypeAttached
Garage Area396 sqft
Parking Spaces1 Parking Space

Location & Zoning

Street Address421 S MAIN ST
CityMONTGOMERY
StateIL
Zip60538-1413
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionORIGINAL TOWN OF : MONTGOMERY : N 60 FT W 1/2 BLK 28 LOT DIMENSIONS: 60 X 124 APPROX LOT SQ FT 7440 SUBDIVISION: ORIG TWN MONTGOMERY RANGE CODE: 001
Legal SubdivisionORIG TWN MONTGOMERY
Legal Block28
Legal Lot NumberS
JurisdictionKANE IL
Township / Civil DivisionAURORA
Census Block Group4
Census Block4023
Census Tract854002

Owner

421 S Main St is owned and occupied by two individuals.

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

Owner of Record2 Individual Names on File
Mailing Address421 S MAIN ST, MONTGOMERY, IL 60538-1413
OccupancyOwner Occupied
Owner TypeIndividual

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

Assessor's Deed Record

Deed Names2 Names on Deed
Record UpdatedSep 20, 2026

June 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateJun 15, 2020
Property Address421 S MAIN ST, MONTGOMERY, IL 60538-1413
Document Number0000031111
Instrument DateMar 19, 2020
Instrument31111
Transaction TypeTransfer
Record UpdatedAug 6, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$284.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address720 FRONT ST AURORA IL 605052757, AURORA, IL 60505-2757

Mortgage

Document Number31112
DateJun 15, 2020
Instrument31112
Lender
NameLOANDEPOT.COM LLC
TypeFunding / Finance Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueJun 14, 2050
Interest
Rate4.5%

Tax Assessment & Valuation

The 2025 property tax bill for 421 S Main St was $5,547 with a homeowner's exemption.

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

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionAurora Township
MunicipalityMontgomery Village
Unified School DistrictAurora West Unit School District 129 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,547.00 Homeowner's exemption$91,600 (+9.39%) Land $10,865 Building $80,735$274,910 (+9.39%) Land $32,608 Building $242,302
2024$83,737 Land $9,932 Building $73,805$251,312 Land $29,808 Building $221,504
2022$5,013.00 (+5.03%) Homeowner's exemption$68,265 (+7.41%) Land $8,097 Building $60,168$204,795 (+7.41%) Land $24,291 Building $180,504
2021$4,773.00 Homeowner's exemption$63,555 Land $7,538 Building $56,017$190,665 Land $22,614 Building $168,051

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 421 S Main St in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1997.

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 10 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies10 in force
Nearby Flood Claims7 (1997–2019)
Claims Outside the SFHA2 of 7
Most Recent ClaimJul 2019 · river or lake flooding

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 421 S Main 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 RiskLow
lower than 99.1% of the US · lower than 94% of Illinois
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemMONTGOMERY
serves 28,956 people · EPA ID IL0894690
Water SourceGroundwater
Last State InspectionFeb 2023
LeadUnder 1 ppb (2024–2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting3
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 176 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Metronet
Fiber		5,120 / 5,120
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20
AT&T
Fixed Wireless · DSL · Fiber in parts of the area		100 / 20

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