Kane County property record for 432 E Spring Ave, South Elgin, IL 60177
| 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 |
| Primary APN | 06-35-454-022 |
|---|
| 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 |
| 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 |
| Cooling System | HVAC |
|---|---|
| Water Source | Commercial |
| 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 |
Source: Kane County assessment roll, as of August 25, 2025
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| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 432 E SPRING AVE, SOUTH ELGIN, IL 60177-2440 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| 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 |
| 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 |
| Name | Verified Name |
|---|
| Document Number | 0000005624 |
|---|---|
| Date | Jan 22, 2021 |
| Instrument | 2021K005624 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 289 Months |
| Due | Feb 1, 2045 |
Source: Kane County assessment roll, as of August 25, 2025
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | South Elgin Village |
| Unified School District | School District U-46 (PK - 12) |
| 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 |
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.
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 |
| 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| 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 |
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 |
| 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.
Source: FCC Broadband Data Collection, based on 351 locations within half a mile, as of December 31, 2025
| 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.
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