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

Kane County property record for 580 E Middle St, South Elgin, IL 60177

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,014 sqft · built 1966
Lot Size	0.198 acres (8,627 sqft)
Owner	Individual Name on Record
Last Sale	$241,500 (Jul 2018)
Tax Bill	$5,906 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Nov 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-35-264-019`

Property Details

APN / Parcel Number

Primary APN	`06-35-264-019`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,014 sqft Living Area
Gross Area	2,028 sqft
1st Floor Area	1,014 sqft
Basement Area	1,014 sqft

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Construction Type	Frame
Lot Area	8,627 sqft (0.198 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	580 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 EAST 60 FT OF LOT 9 BLOCK 3 & PART VACATED ALLEY
Legal Subdivision	TIETJENS SUB
Legal Block	3
Legal Lot Number	9
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	580 E MIDDLE ST, SOUTH ELGIN, IL 60177-2032
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2022	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Nov 17, 2021	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jun 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage BMO HARRIS BANK NA
Jul 6, 2018	Warranty Deed, Transfer · Conventional Mortgage BMO HARRIS BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 6, 2018 · Amount on Record
Deed Sale	Jul 6, 2018 · Amount on Record
Deed Document Number	201832446
Prior Transfer Date	May 25, 2005
Prior Transfer Doc	0000066520
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	580 E MIDDLE ST, SOUTH ELGIN, IL 60177-2032
Transaction Type	Mortgage
Record Updated	Sep 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	580 E MIDDLE ST, SOUTH ELGIN, IL 60177-2032

Mortgage

Document Number	0000045858
Date	Sep 14, 2022
Instrument	2022K045858

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COVINGTON, KY 41012

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Aug 25, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	580 E MIDDLE ST, SOUTH ELGIN, IL 60177-2032
Transaction Type	Mortgage
Record Updated	Nov 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	580 E MIDDLE ST, BLOOMINGDALE, IL 60117-0001

Mortgage

Document Number	0000086547
Date	Nov 17, 2021
Instrument	2021K086547

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	580 E MIDDLE ST, SOUTH ELGIN, IL 60177-2032
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034072
Date	Jun 26, 2020
Instrument	2020K034072

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60690

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2035

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 6, 2018
Property Address	580 E MIDDLE ST, SOUTH ELGIN, IL 60177-2032
Document Number	0000032446
Instrument Date	Jun 27, 2018
Instrument	2018K032446
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$241.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	683 MILL ST, 683, ELGIN, IL 60123-5328

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	580 E MIDDLE ST, SOUTH ELGIN, IL 60177-2032

Mortgage

Document Number	0000032447
Date	Jul 6, 2018
Instrument	2018K032447

Lender

Name	BMO HARRIS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2048

Interest

Rate	4.75%

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	$5,906.00 (+13.16%) Homeowner's exemption	$87,841 (+8.57%) Land $17,454 Building $70,387	$263,628 (+8.57%) Land $52,383 Building $211,245
2024		$80,907 (+21.39%) Land $16,076 Building $64,831	$242,818 (+21.44%) Land $48,247 Building $194,571
2022	$5,219.00 (+7.3%) Homeowner's exemption	$66,648 (+6.96%) Land $13,242 Building $53,406	$199,944 (+6.96%) Land $39,726 Building $160,218
2021	$4,864.00 Homeowner's exemption	$62,311 Land $12,380 Building $49,931	$186,933 Land $37,140 Building $149,793

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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