575 Cole Dr, South Elgin, IL 60177 Property Records

Kane County property record for 575 Cole Dr, South Elgin, IL 60177

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,607 sqft · built 2002
Lot Size	0.23 acres (10,000 sqft)
Owner	2 Individual Names on File
Last Sale	$405,000 (Mar 2019)
Tax Bill	$14,155 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-05-182-015`

Property Details

APN / Parcel Number

Primary APN	`09-05-182-015`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,607 sqft Living Area
Basement Area	1,113 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	10,000 sqft (0.23 acres)
Garage Type	Attached
Garage Area	702 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
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	575 COLE DR
City	SOUTH ELGIN
State	IL
Zip	60177-2251
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	871
Legal Subdivision	THORNWOOD SUB
Legal Block	5
Legal Lot Number	871
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	5
Census Block	5012
Census Tract	852101

Owner

575 Cole Dr is owned and occupied by two individuals who bought it in March 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	575 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
Nov 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage KEY MORTGAGE SERVICES INC
Nov 16, 2019	Deed of Trust, Mortgage · Conventional with PMI UNITED HM LNS
Mar 27, 2019	Warranty Deed, Transfer · Conventional with PMI UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 27, 2019 · Amount on File
Deed Sale	Mar 27, 2019 · Amount on File
Prior Sale	May 19, 2009 · Amount on File
Deed Document Number	201911763
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	575 COLE DR, SOUTH ELGIN, IL 60177-2251
Transaction Type	Mortgage
Record Updated	Jul 27, 2021
Title Company	CITYWIDE TITLE CORP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000069093
Date	Nov 12, 2020
Instrument	2020K069093

Lender

Name	KEY MORTGAGE SERVICES INC
Type	Mortgage Company
Address	SCHAUMBURG, IL 60173

Agreement

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

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	575 COLE DR, SOUTH ELGIN, IL 60177-2251
Document Number	0000057315
Instrument Date	Nov 16, 2019
Transaction Type	Mortgage
Record Updated	Dec 10, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	575 COLE DR SOUTH ELGIN IL 601772251, SOUTH ELGIN, IL 60177-2251

Mortgage

Document Number	0000057315
Date	Nov 26, 2019
Instrument	57315

Lender

Name	UNITED HM LNS
Type	Funding / Finance Company
Address	WESTCHESTER, IL 60154

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 25, 2049

Interest

Rate Type	Fixed Rate
Rate	3.75%

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Mar 27, 2019
Property Address	575 COLE DR, SOUTH ELGIN, IL 60177-2251
Document Number	0000011763
Instrument Date	Mar 12, 2019
Instrument	11763
Transaction Type	Transfer
Record Updated	Apr 4, 2019
Title Company	CITYWIDE TITLE CORPORATION, CITYWIDE TITLE CORP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$607.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	575 COLE DR SOUTH ELGIN IL 601772251, SOUTH ELGIN, IL 60177-2251

Mortgage

Document Number	11764
Date	Mar 27, 2019
Instrument	11764

Lender

Name	UNITED HM LNS
Type	Funding / Finance Company
Address	WESTCHESTER, IL 60154

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 26, 2049

Interest

Rate Type	Fixed Rate
Rate	4.37%

Tax Assessment & Valuation

The 2025 property tax bill for 575 Cole Dr was $14,155 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	$14,155.00 Homeowner's exemption	$194,906 (+8.53%) Land $32,333 Building $162,573	$584,952 (+8.53%) Land $97,038 Building $487,914
2024		$179,587 Land $29,792 Building $149,795	$538,977 Land $89,412 Building $449,565
2022	$12,195.00 (+4.11%) Homeowner's exemption	$145,604 (+4.91%) Land $26,563 Building $119,041	$436,812 (+4.91%) Land $79,689 Building $357,123
2021	$11,714.00 Homeowner's exemption	$138,790 Land $25,320 Building $113,470	$416,370 Land $75,960 Building $340,410

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 575 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 575 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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