515 Cole Dr, South Elgin, IL 60177 Property Records

Kane County property record for 515 Cole Dr, South Elgin, IL 60177

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,983 sqft · built 2003
Lot Size	0.247 acres (10,754 sqft)
Owner	2 Individual Names on File
Last Sale	$409,000 (May 2018)
Tax Bill	$14,362 (2025)
Deeds & Mortgages	Feb 2017 Mortgage May 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`09-05-251-031`

Property Details

APN / Parcel Number

Primary APN	`09-05-251-031`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,983 sqft Living Area
Basement Area	1,237 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,754 sqft (0.247 acres)
Garage Type	Attached
Garage Area	692 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	515 COLE DR
City	SOUTH ELGIN
State	IL
Zip	60177-2251
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 884 IN THORNWOOD PHASE 6A
Legal Subdivision	THORNWOOD
Legal Phase	6A
Legal Block	5
Legal Lot Number	884
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	5
Census Block	5012
Census Tract	852101

Owner

515 Cole Dr is owned and occupied by two individuals who bought it in May 2018.

Source: Kane County records, as of July 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	515 COLE DR, SOUTH ELGIN, IL 60177-2251
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2017	Deed of Trust, Mortgage · ARM UNIVERSAL AMERICAN MORTGAGE CO
May 16, 2018	Warranty Deed, Transfer FIDELITY NATIONAL TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2018 · Amount on File
Deed Sale	May 16, 2018 · Amount on File
Prior Sale	Apr 29, 2003 · Amount on File
Deed Document Number	201822814
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	515 COLE DR, SOUTH ELGIN, IL 60177-2251
Transaction Type	Mortgage
Record Updated	Jul 27, 2021
Title Company	PRO TITLE GROUP INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007821
Date	Feb 9, 2017
Instrument	2017K007821

Lender

Name	UNIVERSAL AMERICAN MORTGAGE CO
Type	Mortgage Company
Address	MIAMI, FL 33172

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Feb 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9%
Index	1-Year LIBOR
Max Rate	9%

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 16, 2018
Property Address	515 COLE DR, SOUTH ELGIN, IL 60177-2251
Document Number	0000022814
Instrument Date	May 3, 2018
Instrument	22814
Transaction Type	Transfer
Record Updated	May 30, 2018
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Tax	$613.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	515 COLE DR SOUTH ELGIN IL 601772251, SOUTH ELGIN, IL 60177-2251

Tax Assessment & Valuation

The 2025 property tax bill for 515 Cole Dr was $14,362 with a homeowner's exemption.

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

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$14,362.00 Homeowner's exemption	$196,869 (+8.53%) Land $32,333 Building $164,536	$590,843 (+8.53%) Land $97,038 Building $493,806
2024		$181,396 Land $29,792 Building $151,604	$544,406 Land $89,412 Building $454,994
2022	$12,366.00 (+4.1%) Homeowner's exemption	$147,562 (+4.91%) Land $26,563 Building $120,999	$442,686 (+4.91%) Land $79,689 Building $362,997
2021	$11,879.00 Homeowner's exemption	$140,656 Land $25,320 Building $115,336	$421,968 Land $75,960 Building $346,008

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

FEMA maps place 515 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

The area around 515 Cole Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 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.

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