591 Cole Dr, South Elgin, IL 60177 Property Records

Kane County property record for 591 Cole Dr, South Elgin, IL 60177

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 3,307 sqft · built 2003
Lot Size	0.27 acres (11,763 sqft)
Owner	2 Individual Names on File
Last Sale	$770,000 (Jun 2025)
Tax Bill	$16,348 (2025)
Deeds & Mortgages	May 2026 Line of Credit Oct 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-05-182-011`

Property Details

APN / Parcel Number

Primary APN	`09-05-182-011`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,307 sqft Living Area
Basement Area	1,270 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	11,763 sqft (0.27 acres)
Garage Type	Attached
Garage Area	648 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	591 COLE DR
City	SOUTH ELGIN
State	IL
Zip	60177-2251
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 867 IN THORNWOOD PHASE 6A
Legal Subdivision	THORNWOOD
Legal Phase	6A
Legal Block	5
Legal Lot Number	867
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	5
Census Block	5012
Census Tract	852101

Owner

591 Cole Dr is owned by two individuals who bought it in June 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	1322 E THURSTON DR, PALATINE, IL 60074-7248
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
May 11, 2026	Deed of Trust, Mortgage · Line of Credit NEIGHBORHOODLOANS INC
Oct 20, 2025	Deed of Trust, Mortgage · Conventional Mortgage ORIGINPOINT LLC
Apr 16, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2025 · Amount on File
Deed Sale	Jun 2, 2025 · Amount on File
Prior Sale	Apr 29, 2003 · Amount on File
Deed Document Number	202520072
Prior Transfer Date	Mar 20, 2018
Prior Transfer Doc	0000017222
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	May 11, 2026
Property Address	591 COLE DR, SOUTH ELGIN, IL 60177-2251
Document Number	0000019376
Instrument Date	Apr 27, 2026
Instrument	202619376
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	591 COLE DR, SOUTH ELGIN, IL 60177-2251

Mortgage

Document Number	0000019376,
Date	May 11, 2026
Instrument	202619376

Lender

Name	NEIGHBORHOODLOANS INC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 27, 2056

Interest

Rate	6.38%
Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	591 COLE DR, SOUTH ELGIN, IL 60177-2251
Transaction Type	Mortgage
Record Updated	Oct 29, 2025
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1322 E THURSTON DR, PALATINE, IL 60074-7248

Mortgage

Document Number	0000041153
Date	Oct 20, 2025
Instrument	2025K041153

Lender

Name	ORIGINPOINT LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	7.5%

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Apr 16, 2018
Property Address	591 COLE DR, SOUTH ELGIN, IL 60177-2251
Document Number	0000017222
Instrument Date	Mar 20, 2018
Instrument	17222
Transaction Type	Transfer
Record Updated	Apr 26, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	591 COLE DR SOUTH ELGIN IL 601772251, SOUTH ELGIN, IL 60177-2251

Tax Assessment & Valuation

The 2025 property tax bill for 591 Cole Dr was $16,348, up 3.8% from the year before.

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	$16,348.00 (+3.78%)	$224,165 (+9.43%) Land $32,333 Building $191,832	$672,764 (+9.43%) Land $97,038 Building $575,726
2024	$15,753.00	$204,852 Land $29,792 Building $175,060	$614,802 Land $89,412 Building $525,390
2022	$13,918.00 (+4.08%) Homeowner's exemption	$166,300 (+5.53%) Land $26,563 Building $139,737	$498,900 (+5.53%) Land $79,689 Building $419,211
2021	$13,372.00 Homeowner's exemption	$157,589 Land $25,320 Building $132,269	$472,767 Land $75,960 Building $396,807

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 591 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 591 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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