Kane County property record for 495 Cole Dr, South Elgin, IL 60177
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 3,380 sqft · built 2002 |
| Lot Size | 0.234 acres (10,200 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $443,000 (Aug 2016) |
| Tax Bill | $15,919 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-05-203-010 |
| Primary APN | 09-05-203-010 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,380 sqft Living Area |
| Basement Area | 1,493 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 10,200 sqft (0.234 acres) |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 495 COLE DR |
|---|---|
| City | SOUTH ELGIN |
| State | IL |
| Zip | 60177-2215 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 889 IN THORNWOOD PHASE 6A |
| Legal Subdivision | THORNWOOD |
| Legal Phase | 6A |
| Legal Block | 5 |
| Legal Lot Number | 889 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 5 |
| Census Block | 5012 |
| Census Tract | 852101 |
495 Cole Dr is owned and occupied by two individuals who bought it in August 2016.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 495 COLE DR, SOUTH ELGIN, IL 60177-2215 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 11, 2016 · Amount on File |
| Deed Sale | Aug 11, 2016 · Amount on File |
| Prior Sale | Feb 6, 2003 · Amount on File |
| Deed Document Number | 201642303 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 495 Cole Dr was $15,919 with a homeowner's exemption.
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | St. Charles Township |
| Municipality | South Elgin Village |
| Unified School District | St. Charles Community Unit School District 303 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $15,919.00 Homeowner's exemption | $217,342 (+8.53%) Land $32,333 Building $185,009 | $652,287 (+8.53%) Land $97,038 Building $555,249 |
| 2024 | $200,260 Land $29,792 Building $170,468 | $601,020 Land $89,412 Building $511,609 | |
| 2022 | $13,672.00 (+4.08%) Homeowner's exemption | $162,517 (+4.91%) Land $26,563 Building $135,954 | $487,551 (+4.91%) Land $79,689 Building $407,862 |
| 2021 | $13,136.00 Homeowner's exemption | $154,911 Land $25,320 Building $129,591 | $464,733 Land $75,960 Building $388,773 |
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.
FEMA maps place 495 Cole Dr in Zone X, an area of minimal flood risk.
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 | 2 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 risk around 495 Cole Dr is low, with less than a 0.01% annual chance of 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.
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 428 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL | 100 / 20 |
May also be available: Fox Valley Internet.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures