533 Downing St, Elburn, IL 60119 Property Records

Kane County property record for 533 Downing St, Elburn, IL 60119

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,244 sqft · built 1999
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$290,000 (Sep 2020)
Tax Bill	$8,768 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-32-380-009`

Property Details

APN / Parcel Number

Primary APN	`08-32-380-009`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,244 sqft Living Area
Gross Area	3,792 sqft
Basement Area	960 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Traditional
Exterior Material	Combination
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	588 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Water Source	Commercial

Location & Zoning

Street Address	533 DOWNING ST
City	ELBURN
State	IL
Zip	60119-8865
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIGHLAND UNIT 9 LOT 104
Legal Subdivision	HIGHLAND
Legal Block	2
Legal Lot Number	104
Legal Unit	9
Jurisdiction	KANE IL
Township / Civil Division	CAMPTON
Census Block Group	2
Census Block	2044
Census Tract	852408

Owner

533 Downing St is owned and occupied by two individuals who bought it in September 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	533 DOWNING ST, ELBURN, IL 60119-8865
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2020	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Jul 19, 2018	Warranty Deed, Transfer · Conventional Mortgage MIDLAND STATES BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2020 · Amount on File
Deed Sale	Sep 23, 2020 · Amount on File
Prior Sale	Jul 19, 2018 · Amount on File
Deed Document Number	202055277
Record Updated	Oct 29, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 23, 2020
Property Address	533 DOWNING ST, ELBURN, IL 60119-8865
Document Number	0000055277
Instrument Date	Aug 11, 2020
Instrument	2020K055277
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$290.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	533 DOWNING ST, 533, ELBURN, IL 60119-8865

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	533 DOWNING ST, ELBURN, IL 60119-8865

Mortgage

Document Number	0000055278
Date	Sep 23, 2020
Instrument	2020K055278

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

Interest

Rate Type	Fixed Rate
Rate	2.75%

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 19, 2018
Property Address	533 DOWNING ST, ELBURN, IL 60119-8865
Document Number	0000034608
Instrument Date	May 23, 2018
Instrument	2018K034608
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	PROPER TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$258.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	533 DOWNING ST, 533, ELBURN, IL 60119-8865

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1481 COVINGTON CT, SAINT CHARLES, IL 60174-3563

Mortgage

Document Number	0000034609
Date	Jul 19, 2018
Instrument	2018K034609

Lender

Name	MIDLAND STATES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jun 1, 2048

Interest

Rate Type	Fixed Rate
Rate	4.37%

Tax Assessment & Valuation

The 2025 property tax bill for 533 Downing St was $8,768 with exemptions applied.

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	$8,768.00 Homeowner's exemption Senior Citizen's exemption	$125,176 (+8.43%) Land $22,392 Building $102,784	$375,678 (+8.43%) Land $67,203 Building $308,475
2024		$115,444 Land $20,651 Building $94,793	$346,471 Land $61,978 Building $284,493
2022	$7,548.00 (+4.78%) Homeowner's exemption	$91,528 (+5.91%) Land $16,823 Building $74,705	$274,584 (+5.91%) Land $50,469 Building $224,115
2021	$7,204.00 Homeowner's exemption	$86,420 Land $15,884 Building $70,536	$259,260 Land $47,652 Building $211,608

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 533 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 533 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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