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

Kane County property record for 499 E Middle St, South Elgin, IL 60177

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 1,990 sqft · built 2001
Lot Size0.23 acres (10,032 sqft)
Owner2 Individual Names on Record
Last Sale$226,000 (Jun 2018)
Tax Bill$6,372 (2025)
Deeds & MortgagesJun 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN06-35-407-040

Property Details

APN / Parcel Number

Primary APN06-35-407-040

Interior

Bedrooms3 Beds
Full Baths3 Baths
Total Rooms6 Rooms
Stories2 Stories
Building Area1,990 sqft Living Area

Exterior

Year BuiltBuilt 2001
Effective Year BuiltEffective 2001
Architectural StyleRaised Ranch
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Lot Area10,032 sqft (0.23 acres)
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemHVAC
SewerStorm Sewer
Water SourceCommercial

Location & Zoning

Street Address499 E MIDDLE ST
CitySOUTH ELGIN
StateIL
Zip60177-2029
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionRECHSTEINERS SUB LOT 2
Legal SubdivisionRECHSTEINERS SUB
Legal Block3
Legal Lot Number2
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group3
Census Block3001
Census Tract851801

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 Record2 Individual Names on Record
Mailing Address499 E MIDDLE ST, SOUTH ELGIN, IL 60177-2029
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 7, 2018 · Amount on Record
Deed SaleJun 7, 2018 · Amount on Record
Prior SaleOct 3, 2007
Deed Document Number201826705
Record UpdatedOct 29, 2026

June 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateJun 7, 2018
Property Address499 E MIDDLE ST, SOUTH ELGIN, IL 60177-2029
Document Number0000026705
Instrument DateMay 9, 2018
Instrument2018K026705
Transaction TypeTransfer
Record UpdatedJul 27, 2021
Title CompanyCHICAGO TITLE INSURANCE CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$226.00
Amount AccuracyRounded by County
Additional
  • Lis Pendens
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address123 DOC HULING RD, 123, ROBBINS, TN 37852-3800

Transferred To (Grantee/Buyer)

NameVerified Name
Address499 E MIDDLE ST, SOUTH ELGIN, IL 60177-2029

Mortgage

Document Number0000026706
DateJun 7, 2018
Instrument2018K026706
Lender
NameJPMORGAN CHASE BANK NA
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 1, 2048

Tax Assessment & Valuation

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionElgin Township
MunicipalitySouth Elgin Village
Unified School DistrictSchool District U-46 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$6,372.00 (+13.18%) Homeowner's exemption$94,147 (+8.57%) Land $19,393 Building $74,754$282,554 (+8.57%) Land $58,202 Building $224,352
2024$86,715 (+21.4%) Land $17,862 Building $68,853$260,249 (+21.44%) Land $53,607 Building $206,642
2022$5,630.00 (+6.37%) Homeowner's exemption$71,432 (+6.96%) Land $14,714 Building $56,718$214,296 (+6.96%) Land $44,142 Building $170,154
2021$5,293.00 Homeowner's exemption$66,784 Land $13,757 Building $53,027$200,352 Land $41,271 Building $159,081

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 23 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies23 in force
Nearby Flood Claims33 (1978–2020)
Claims Outside the SFHA2 of 33
Most Recent ClaimMay 2020 · rainfall accumulation
Claims by Event
  • Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 5 claims
  • Severe Storms And Flooding, Sep 2008 · 16 claims

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 RiskLow
lower than 99.1% of the US · lower than 94% of Illinois
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemSOUTH ELGIN
serves 23,648 people · EPA ID IL0890800
Water SourceGroundwater
Last State InspectionApr 2024
Lead1 ppb (2026)
action level 15 ppb
Copper1.5 mg/L (2024)
action level 1.3 mg/L

Violations Reported to EPA

Water QualityBarium
not recorded as resolved · Apr 2026
Treatment and ProcedureCorrosion control
Jul 2025
Monitoring and Reporting5
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

ProviderMax 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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