494 E Middle St, South Elgin, IL 60177 Property Records

Kane County property record for 494 E Middle St, South Elgin, IL 60177

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,537 sqft · built 1910
Lot Size	0.214 acres (9,326 sqft)
Owner	Individual Name on Record
Last Sale	$312,500 (Apr 2025)
Tax Bill	$3,361 (2025)
Deeds & Mortgages	Apr 2025 Sale & Line of Credit Jun 2018 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-35-263-006`

Property Details

APN / Parcel Number

Primary APN	`06-35-263-006`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,537 sqft Living Area
Gross Area	2,161 sqft
Basement Area	624 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Construction Type	Frame
Lot Area	9,326 sqft (0.214 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	494 E MIDDLE ST
City	SOUTH ELGIN
State	IL
Zip	60177-2030
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRUMAN GILBERTS PLAT OF EAST CLINTON (EX PT DESC IN BOOK 1796/255, 1796/257) & (EX BOOK 1849/261) (EX BOOK 2492/45) (EX BOOK 2492/123) BLK 2
Legal Subdivision	TRUMAN GILBERTS PLAT
Legal Block	2
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2072
Census Tract	851801

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	1732 N MARYWOOD AVE, AURORA, IL 60505-1897
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2025	Warranty Deed, Transfer · Line of Credit KEY MORTGAGE SERVICES INC
Jun 12, 2018	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK
Jun 12, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2025 · Amount on Record
Deed Sale	Apr 28, 2025 · Amount on Record
Deed Document Number	202515091
Record Updated	Sep 20, 2026

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 28, 2025
Property Address	494 E MIDDLE ST, SOUTH ELGIN, IL 60177-2030
Document Number	0000015091
Instrument Date	Apr 14, 2025
Instrument	2025K015091
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	NLT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$312.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	494 E MIDDLE ST, SOUTH ELGIN, IL 60177-2030

Mortgage

Document Number	0000015092
Date	Apr 28, 2025
Instrument	2025K015092

Lender

Name	KEY MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.62%

June 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KANE IL
Property Address	494 E MIDDLE ST, SOUTH ELGIN, IL 60177-2030
Document Number	0000034580
Instrument Date	Jun 12, 2018
Transaction Type	Mortgage
Record Updated	Jul 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	494 E MIDDLE ST SOUTH ELGIN IL 601772030, SOUTH ELGIN, IL 60177-2030

Mortgage

Document Number	0000034580
Date	Jul 19, 2018
Instrument	34580

Lender

Name	WELLS FARGO BK
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 18, 2048

Interest

Rate	4.37%

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	494 E MIDDLE ST, SOUTH ELGIN, IL 60177-2030
Document Number	0000042362
Instrument Date	Jun 12, 2018
Transaction Type	Mortgage
Record Updated	Sep 10, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	494 E MIDDLE ST SOUTH ELGIN IL 601772030, SOUTH ELGIN, IL 60177-2030

Mortgage

Document Number	0000042362
Date	Aug 29, 2018
Instrument	42362

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410-8000

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 28, 2048

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,361.00 (-22.56%)	$101,101 (+8.57%) Land $18,313 Building $82,788	$303,424 (+8.57%) Land $54,961 Building $248,463
2024		$93,120 (+21.39%) Land $16,867 Building $76,253	$279,472 (+21.44%) Land $50,621 Building $228,851
2022	$4,340.00 (-1.18%) Homeowner's exemption	$76,709 (+6.96%) Land $13,894 Building $62,815	$230,127 (+6.96%) Land $41,682 Building $188,445
2021	$4,392.00 Homeowner's exemption	$71,718 Land $12,990 Building $58,728	$215,154 Land $38,970 Building $176,184

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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (1983)
Most Recent Claim	Jul 1983 · 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	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

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 351 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, Fox Valley Internet, Verizon.

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