Kane County property record for 495 E Middle St, South Elgin, IL 60177
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,200 sqft · built 1880 |
| Lot Size | 0.277 acres (12,078 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $147,000 (Oct 2014) |
| Tax Bill | $5,979 (2025) |
| Deeds & Mortgages | Nov 2025 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-35-407-039 |
| Primary APN | 06-35-407-039 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,200 sqft Living Area |
| Gross Area | 3,300 sqft |
| Basement Area | 1,100 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Construction Type | Frame |
| Lot Area | 12,078 sqft (0.277 acres) |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 495 E MIDDLE ST |
|---|---|
| City | SOUTH ELGIN |
| State | IL |
| Zip | 60177-2029 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RECHSTEINERS SUB LOT 1 |
| Legal Subdivision | RECHSTEINERS SUB |
| Legal Block | 3 |
| Legal Lot Number | 1 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 851801 |
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 | 495 E MIDDLE ST, SOUTH ELGIN, IL 60177-2029 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 23, 2014 · Amount on Record |
| Deed Sale | Oct 23, 2014 · Amount on Record |
| Prior Sale | Jan 20, 2011 |
| Deed Document Number | 201453481 |
| Prior Transfer Date | Feb 1, 2008 |
| Prior Transfer Doc | 0000010898 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 495 E MIDDLE ST, SOUTH ELGIN, IL 60177-2029 |
| Transaction Type | Mortgage |
| Record Updated | Nov 26, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000044697 |
|---|---|
| Date | Nov 12, 2025 |
| Instrument | 2025K044697 |
| Name | BUSEY BANK |
|---|---|
| Type | Bank |
| Address | CHAMPAIGN, IL 61820 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | Oct 20, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Kane County assessment roll, as of July 23, 2026
| 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 | $5,979.00 (+13.17%) Homeowner's exemption | $88,831 (+8.57%) Land $22,624 Building $66,207 | $266,600 (+8.57%) Land $67,899 Building $198,700 |
| 2024 | $81,819 (+21.39%) Land $20,838 Building $60,981 | $245,555 (+21.44%) Land $62,539 Building $183,016 | |
| 2022 | $5,283.00 (+6.4%) Homeowner's exemption | $67,400 (+6.96%) Land $17,166 Building $50,234 | $202,200 (+6.96%) Land $51,498 Building $150,702 |
| 2021 | $4,965.00 Homeowner's exemption | $63,014 Land $16,049 Building $46,965 | $189,042 Land $48,147 Building $140,895 |
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 99.1% 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 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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