432 E Spring Ave, South Elgin, IL 60177 Property Records

Kane County property record for 432 E Spring Ave, South Elgin, IL 60177

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,184 sqft · built 1930
Lot Size	0.224 acres (9,750 sqft)
Owner	Individual Name on File
Last Sale	$205,000 (Aug 2006)
Tax Bill	$6,448 (2025)
Deeds & Mortgages	Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-35-454-022`

Property Details

APN / Parcel Number

Primary APN	`06-35-454-022`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,184 sqft Living Area
Gross Area	2,368 sqft
1st Floor Area	1,184 sqft
Basement Area	1,184 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Ranch
Construction Type	Frame
Lot Area	9,750 sqft (0.224 acres)
Lot Dimensions	130 ft deep x 75 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	432 E SPRING AVE
City	SOUTH ELGIN
State	IL
Zip	60177-2440
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FOX RIVER CRYSTAL SPRINGS LOTS 34 & 35 & EAST 1/2 LOT 36 BLOCK 5
Legal Subdivision	FOX RIVER CRYSTAL SPRINGS
Legal Block	5
Legal Lot Number	34-36
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3002
Census Tract	851801

Owner

Source: Kane County records · APN 06-35-454-022

Assessment roll updated August 25, 2025 · Last verified July 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 File
Mailing Address	432 E SPRING AVE, SOUTH ELGIN, IL 60177-2440
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 11, 2006 · Amount on Record
Deed Sale	Aug 11, 2006 · Amount on Record
Prior Sale	May 20, 2004 · Amount on Record
Deed Document Number	200688075
Record Updated	Sep 20, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	432 E SPRING AVE, SOUTH ELGIN, IL 60177-2440
Transaction Type	Mortgage
Record Updated	Jul 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005624
Date	Jan 22, 2021
Instrument	2021K005624

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	289 Months
Due	Feb 01, 2045

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,448.00 (+13.18%) Homeowner's exemption
2024		$87,661 (+21.39%) Land $16,867 Building $70,794	$263,088 (+21.44%) Land $50,621 Building $212,467
2022	$5,697.00 (+6.35%) Homeowner's exemption	$72,212 (+6.96%) Land $13,894 Building $58,318	$216,636 (+6.96%) Land $41,682 Building $174,954
2021	$5,357.00 Homeowner's exemption	$67,513 Land $12,990 Building $54,523	$202,539 Land $38,970 Building $163,569

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), as of October 8, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170898518013, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

Wildfire

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.8% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Metronet Holdings Fiber	5,120 / 5,120
Xfinity Cable	2,000 / 250

May also be available: AT&T, Opiquad, Verizon.

Based on FCC filings for 351 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system IL0890800, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SOUTH ELGIN serves 23,648 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.