539 Cole Dr, South Elgin, IL 60177 Property Records

Kane County property record for 539 Cole Dr, South Elgin, IL 60177

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,953 sqft · built 2002
Lot Size	0.24 acres (10,441 sqft)
Owner	2 Individual Names on File
Last Sale	$426,000 (Sep 2019)
Tax Bill	$15,355 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-05-251-036`

Property Details

APN / Parcel Number

Primary APN	`09-05-251-036`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,953 sqft Living Area
Basement Area	1,263 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Traditional
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,441 sqft (0.24 acres)
Garage Type	Attached
Garage Area	705 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
Water Source	Commercial

Location & Zoning

Street Address	539 COLE DR
City	SOUTH ELGIN
State	IL
Zip	60177-2251
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 879 IN THORNWOOD PHASE 6A
Legal Subdivision	THORNWOOD
Legal Phase	6A
Legal Block	5
Legal Lot Number	879
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	5
Census Block	5012
Census Tract	852101

Owner

539 Cole Dr is owned and occupied by two individuals who acquired it in October 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	539 COLE DR, SOUTH ELGIN, IL 60177-2251
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
Dec 8, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 6, 2019	Warranty Deed, Transfer · Conventional Mortgage AMERISAVE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 6, 2019 · Amount on File
Deed Sale	Sep 6, 2019 · Amount on File
Prior Sale	May 4, 2015 · Amount on File
Deed Document Number	201941108
Last Transfer Date	Oct 8, 2020
Transfer Doc	0000075989
Record Updated	Oct 29, 2026

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Dec 8, 2020
Property Address	539 COLE DR, SOUTH ELGIN, IL 60177-2251
Document Number	0000075989
Map Reference	DOC 200K026667
Instrument Date	Oct 8, 2020
Instrument	2020K075989
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	FIRST AMERICAN TITLE

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	Tenants by the Entirety
Address	539 COLE DR, SOUTH ELGIN, IL 60177-2251

Mortgage

Document Number	0000075990
Date	Dec 8, 2020
Instrument	2020K075990

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Nov 1, 2050

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 6, 2019
Property Address	539 COLE DR, SOUTH ELGIN, IL 60177-2251
Document Number	0000041108
Map Reference	DOC 200K026667
Instrument Date	Aug 8, 2019
Instrument	2019K041108
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	PROPER TITLE LLC

Transaction

Amount	Amount on Record
Tax	$426.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	539 COLE DR, SOUTH ELGIN, IL 60177-2251

Mortgage

Document Number	0000041109
Date	Sep 6, 2019
Instrument	2019K041109

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2049

Interest

Rate Type	Fixed Rate
Rate	3.5%

Tax Assessment & Valuation

The 2025 property tax bill for 539 Cole Dr was $15,355 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	$15,355.00 Homeowner's exemption	$209,923 (+8.53%) Land $32,333 Building $177,590	$630,021 (+8.53%) Land $97,038 Building $532,983
2024		$193,424 Land $29,792 Building $163,632	$580,504 Land $89,412 Building $491,092
2022	$13,083.00 (+4.09%) Homeowner's exemption	$155,766 (+4.91%) Land $26,563 Building $129,203	$467,298 (+4.91%) Land $79,689 Building $387,609
2021	$12,569.00 Homeowner's exemption	$148,476 Land $25,320 Building $123,156	$445,428 Land $75,960 Building $369,468

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 539 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 539 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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