517 Downing St, Elburn, IL 60119 Property Records

Kane County property record for 517 Downing St, Elburn, IL 60119

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,464 sqft · built 1999
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Trust Names on File
Last Sale	$317,000 (Jul 2020)
Tax Bill	$11,025 (2025)
Deeds & Mortgages	Feb 2026 Transfer Jul 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-32-380-011`

Property Details

APN / Parcel Number

Primary APN	`08-32-380-011`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,464 sqft Living Area
Gross Area	4,470 sqft
Basement Area	1,232 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Aluminum/Vinyl
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	774 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	517 DOWNING ST
City	ELBURN
State	IL
Zip	60119-8865
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	106
Legal Subdivision	HIGHLAND 9
Legal Block	2
Legal Lot Number	106
Jurisdiction	KANE IL
Township / Civil Division	CAMPTON
Census Block Group	2
Census Block	2044
Census Tract	852408

Owner

517 Downing St is owner-occupied and held in a trust since July 2020.

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

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

Owner of Record	2 Trust Names on File
Mailing Address	517 DOWNING ST, ELBURN, IL 60119-8865
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Living Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2026	Intrafamily Transfer, Transfer
Jul 30, 2020	Warranty Deed, Transfer · Conventional Mortgage CIBM BANK
Jan 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage EARTHMOVER CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2020 · Amount on File
Deed Sale	Jul 30, 2020 · Amount on File
Prior Sale	May 8, 2002 · Amount on File
Deed Document Number	202041705
Prior Transfer Date	Nov 20, 2007
Prior Transfer Doc	0000118611
Record Updated	Oct 29, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Feb 25, 2026
Property Address	517 DOWNING ST, ELBURN, IL 60119-8865
Document Number	0000007636
Instrument Date	Feb 19, 2026
Instrument	2026K007636
Transaction Type	Transfer
Record Updated	Mar 9, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Living Trust
Address	517 DOWNING ST, ELBURN, IL 60119-8865

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 30, 2020
Property Address	517 DOWNING ST, ELBURN, IL 60119-8865
Document Number	0000041705
Instrument Date	Jul 27, 2020
Instrument	2020K041705
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$317.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	517 DOWNING ST, ELBURN, IL 60119-8865

Mortgage

Document Number	0000041706
Date	Jul 30, 2020
Instrument	2020K041706

Lender

Name	CIBM BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	517 DOWNING ST, ELBURN, IL 60119-8865
Document Number	0000008238
Instrument Date	Jan 3, 2020
Transaction Type	Mortgage
Record Updated	Mar 3, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	517 DOWNING ST ELBURN IL 601198865, ELBURN, IL 60119-8865

Mortgage

Document Number	0000008238
Date	Feb 14, 2020
Instrument	8238

Lender

Name	EARTHMOVER CU
Type	Credit Union
Address	AURORA, IL 60507

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Feb 13, 2025

Tax Assessment & Valuation

The 2025 property tax bill for 517 Downing St was $11,025, up 2.9% from the year before.

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

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	Campton Township
Municipality	Elburn Village
Unified School District	Kaneland Community Unit School District 302 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,025.00 (+2.87%) Homeowner's exemption	$141,068 (+8.43%) Land $22,392 Building $118,676	$423,373 (+8.43%) Land $67,203 Building $356,170
2024	$10,717.00 Homeowner's exemption	$130,100 Land $20,651 Building $109,449	$390,456 Land $61,978 Building $328,478
2022	$10,059.00 (+4.23%) Homeowner's exemption	$105,983 (+5.91%) Land $16,823 Building $89,160	$317,949 (+5.91%) Land $50,469 Building $267,480
2021	$9,651.00 Homeowner's exemption	$100,069 Land $15,884 Building $84,185	$300,207 Land $47,652 Building $252,555

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 517 Downing St 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
Nearby Flood Policies	3 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 517 Downing St 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	ELBURN serves 6,559 people · EPA ID IL0890300
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 130 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Watch TV, Xfinity.

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