432 W Reader St, Elburn, IL 60119 Property Records

Kane County property record for 432 W Reader St, Elburn, IL 60119

Property Summary

Property Type	Single Family Home
Lot Size	0.283 acres (12,341 sqft)
Owner	Individual Name on Record
Last Sale	$131,500 (May 2000)
Tax Bill	$6,259 (2025)
Deeds & Mortgages	Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-06-202-011`

Property Details

APN / Parcel Number

Primary APN	`11-06-202-011`

Exterior

Lot Area	12,341 sqft (0.283 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	432 W READER ST
City	ELBURN
State	IL
Zip	60119-8213
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1 4 PT SECOND ELBURN
Legal Subdivision	L R READS 02
Legal Block	1
Legal Lot Number	3,4
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	432 W READER ST, ELBURN, IL 60119-8213
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 17, 2000 · Amount on Record
Deed Sale	May 17, 2000 · Amount on Record
Prior Sale	Aug 4, 1998
Deed Document Number	200038136
Last Transfer Date	Feb 2, 2021
Transfer Doc	0000012581
Record Updated	Oct 29, 2026

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Feb 17, 2021
Property Address	432 W READER ST, ELBURN, IL 60119-8213
Document Number	0000012581
Instrument Date	Feb 2, 2021
Instrument	2021K012581
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	ATTORNEY

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
Address	432 W READER ST, ELBURN, IL 60119-8213
Investor	Possibly a Property Investor

Mortgage

Document Number	0000012821
Date	Feb 17, 2021
Instrument	2021K012821

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

Interest

Rate	2.25%

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	$6,259.00 (+6.81%)	$86,744 (+8.89%) Land $14,687 Building $72,057	$260,336 (+8.89%) Land $44,079 Building $216,258
2024		$79,662 (+27.25%) Land $13,488 Building $66,174	$239,082 (+27.3%) Land $40,480 Building $198,601
2022	$5,860.00 (+3.08%)	$62,602 (+4.48%) Land $11,172 Building $51,430	$187,806 (+4.48%) Land $33,516 Building $154,290
2021	$5,685.00	$59,918 Land $10,693 Building $49,225	$179,754 Land $32,079 Building $147,675

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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