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

Kane County property record for 548 E Middle St, South Elgin, IL 60177

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 804 sqft · built 1944
Lot Size	0.285 acres (12,399 sqft)
Owner	Individual Name on Record
Last Sale	$266,000 (Nov 2025)
Tax Bill	$6,067 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Nov 2025 Transfer
Flood Zone	Zone X (minimal risk)
APN	`06-35-264-017`

Property Details

APN / Parcel Number

Primary APN	`06-35-264-017`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	804 sqft Living Area
Gross Area	1,608 sqft
1st Floor Area	804 sqft
Basement Area	804 sqft

Exterior

Year Built	Built 1944
Effective Year Built	Effective 1944
Construction Type	Frame
Lot Area	12,399 sqft (0.285 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	548 E MIDDLE ST
City	SOUTH ELGIN
State	IL
Zip	60177-2032
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TIETJENS SUB IN SOUTH ELGIN LOT 7 & WLY 20 2/3 FT OF LOT 8 BLK 3 & PT VAC ALLEY
Legal Subdivision	SOUTH ELGIN
Legal Block	3
Legal Lot Number	7,8
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2057
Census Tract	851801

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 Record	Individual Name on Record
Mailing Address	2487 AMBER LN, ELGIN, IL 60123-4107
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Nov 26, 2025	Warranty Deed, Transfer · Conventional Mortgage THE LOAN STORE INC
Nov 26, 2025	Quit Claim Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 26, 2025 · Amount on Record
Deed Sale	Nov 26, 2025 · Amount on Record
Prior Sale	May 22, 2013 · Amount on Record
Deed Document Number	202547092
Prior Transfer Date	May 22, 2001
Prior Transfer Doc	0000053900
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Nov 26, 2025
Property Address	548 E MIDDLE ST, SOUTH ELGIN, IL 60177-2032
Document Number	0000047092
Instrument Date	Nov 19, 2025
Instrument	2025K047092
Transaction Type	Transfer
Record Updated	Dec 9, 2025
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$266.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1 EQUITY WAY, WESTLAKE, OH 44145-1050

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	548 E MIDDLE ST, SOUTH ELGIN, IL 60177-2032

Mortgage

Document Number	0000047093
Date	Nov 26, 2025
Instrument	2025K047093

Lender

Name	THE LOAN STORE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.37%

November 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Nov 26, 2025
Property Address	548 E MIDDLE ST, SOUTH ELGIN, IL 60177-2032
Document Number	0000047091
Instrument Date	Nov 19, 2025
Instrument	2025K047091
Transaction Type	Transfer
Record Updated	Dec 9, 2025
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 EQUITY WAY, WESTLAKE, OH 44145-1050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	Elgin Township
Municipality	South Elgin Village
Unified School District	School District U-46 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,067.00 (+1.76%)	$82,027 (+8.57%) Land $22,624 Building $59,403	$246,179 (+8.57%) Land $67,899 Building $178,280
2024	$5,962.00 (+11.34%)	$75,552 (+21.39%) Land $20,838 Building $54,714	$226,747 (+21.44%) Land $62,539 Building $164,208
2022	$5,355.00 (+5.68%)	$62,238 (+6.96%) Land $17,166 Building $45,072	$186,714 (+6.96%) Land $51,498 Building $135,216
2021	$5,067.00	$58,188 Land $16,049 Building $42,139	$174,564 Land $48,147 Building $126,417

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 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	6 in force
Nearby Flood Claims	1 (1983)
Most Recent Claim	Jul 1983 · rainfall accumulation

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 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 234 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Xfinity Cable	2,000 / 250
Fox Valley Internet Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Verizon.

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