43W770 Rowe Rd, Elburn, IL 60119 Property Records

Kane County property record for 43W770 Rowe Rd, Elburn, IL 60119

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,451 sqft · built 1989
Lot Size	1.06 acres (46,243 sqft)
Owner	Individual Name on Record
Last Sale	$270,000 (Jul 2017)
Tax Bill	$9,792 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-17-102-020`

Property Details

APN / Parcel Number

Primary APN	`11-17-102-020`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Building Area	1,451 sqft Living Area
Basement Area	1,288 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Split Level
Exterior Material	Wood
Lot Area	46,243 sqft
Parking Spaces	4 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	43W770 ROWE RD
City	ELBURN
State	IL
Zip	60119-9631
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINDENOAK UNIT NO. 3 - LOT 39
Legal Subdivision	WINDENOAK
Legal Block	2
Legal Lot Number	39
Legal Unit	3
Jurisdiction	KANE IL
Township / Civil Division	BLACKBERRY
Census Block Group	2
Census Block	2037
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	43W770 ROWE RD, ELBURN, IL 60119-9631
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2023	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Aug 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage HUNTINGTON NAT'L BK
Jul 18, 2017	Warranty Deed, Transfer · Conventional Mortgage MID-AMERICAN MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 18, 2017 · Amount on Record
Deed Sale	Jul 18, 2017 · Amount on Record
Prior Sale	Apr 30, 2009 · Amount on Record
Deed Document Number	201736899
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	43W770 ROWE RD, ELBURN, IL 60119-9631
Transaction Type	Mortgage
Record Updated	Oct 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43W770 ROWE RD, ELBURN, IL 60119-9631

Mortgage

Document Number	0000033659
Date	Sep 27, 2023
Instrument	2023K033659

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 15, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	43W770 ROWE RD, ELBURN, IL 60119-9631
Document Number	0000050930
Instrument Date	Aug 17, 2020
Transaction Type	Mortgage
Record Updated	Oct 15, 2020
Title Company	FOX TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43W770 ROWE RD ELBURN IL 601199631, ELBURN, IL 60119-9631

Mortgage

Document Number	0000050930
Date	Sep 4, 2020
Instrument	50930

Lender

Name	HUNTINGTON NAT'L BK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 3, 2050

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 18, 2017
Property Address	43W770 ROWE RD, ELBURN, IL 60119-9631
Document Number	0000036899
Instrument Date	Jun 22, 2017
Instrument	2017K036899
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43W770 ROWE RD, ELBURN, IL 60119-9631

Mortgage

Document Number	0000036900
Date	Jul 18, 2017
Instrument	2017K036900

Lender

Name	MID-AMERICAN MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2047

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
Unified School District	Kaneland Community Unit School District 302 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,792.00 (+15.02%) Homeowner's exemption	$137,425 (+8.89%) Land $22,125 Building $115,300	$412,440 (+8.89%) Land $66,402 Building $346,038
2024		$126,206 (+24.28%) Land $20,319 Building $105,887	$378,770 (+24.33%) Land $60,981 Building $317,788
2022	$8,513.00 (+3.34%) Homeowner's exemption	$101,552 (+4.48%) Land $16,830 Building $84,722	$304,656 (+4.48%) Land $50,490 Building $254,166
2021	$8,238.00 Homeowner's exemption	$97,197 Land $16,108 Building $81,089	$291,591 Land $48,324 Building $243,267

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	3 in force

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

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

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