631 Gray Ave, Elburn, IL 60119 Property Records

Kane County property record for 631 Gray Ave, Elburn, IL 60119

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,200 sqft · built 2007
Lot Size	0.283 acres (12,349 sqft)
Owner	2 Individual Names on Record
Last Sale	$434,000 (Dec 2024)
Tax Bill	$10,047 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Feb 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-08-202-003`

Property Details

APN / Parcel Number

Primary APN	`11-08-202-003`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,200 sqft Living Area
Basement Area	1,089 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Lot Area	12,349 sqft (0.283 acres)
View / Lot	Corner
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Water Source	Commercial

Location & Zoning

Street Address	631 GRAY AVE
City	ELBURN
State	IL
Zip	60119-9401
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLACKBERRY CREEK SUB UNIT NO 1 LOT 25
Legal Subdivision	BLACKBERRY CREEK SUB
Legal Block	2
Legal Lot Number	25
Legal Unit	1
Jurisdiction	KANE IL
Township / Civil Division	BLACKBERRY
Census Block Group	2
Census Block	2019
Census Tract	854507

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	2 Individual Names on Record
Mailing Address	2893 CALDWELL LN, GENEVA, IL 60134-4484
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 10, 2021	Deed of Trust, Mortgage · FHA Mortgage WINTRUST MORTGAGE
Feb 28, 2023	Warranty Deed, Transfer · Conventional Mortgage PROPER RATE LLC
Dec 30, 2019	Deed of Trust, Mortgage · FHA Mortgage WINTRUST MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2024 · Amount on Record
Deed Sale	Dec 20, 2024 · Amount on Record
Prior Sale	Feb 28, 2023 · Amount on Record
Deed Document Number	202447281
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	631 GRAY AVE, ELBURN, IL 60119-9401
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	631 GRAY AVE, ELBURN, IL 60119-9401

Mortgage

Document Number	0000092136
Date	Dec 10, 2021
Instrument	2021K092136

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Jan 1, 2050

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Feb 28, 2023
Property Address	631 GRAY AVE, ELBURN, IL 60119-9401
Document Number	0000005990
Map Reference	DOC 2003K135743
Instrument Date	Feb 17, 2023
Instrument	2023K005990
Transaction Type	Transfer
Record Updated	Mar 8, 2023
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$363.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	631 GRAY AVE, ELBURN, IL 60119-9401

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	631 GRAY AVE, ELBURN, IL 60119-9401

Mortgage

Document Number	0000005991
Date	Feb 28, 2023
Instrument	2023K005991

Lender

Name	PROPER RATE LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.12%

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	631 GRAY AVE, ELBURN, IL 60119-9401
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000063121
Date	Dec 30, 2019
Instrument	2019K063121

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.49%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	Blackberry Township
Municipality	Elburn Village
Unified School District	Kaneland Community Unit School District 302 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,047.00 (+11%)	$131,436 (+8.89%) Land $18,690 Building $112,746	$394,466 (+8.89%) Land $56,092 Building $338,373
2024		$120,705 (+19.32%) Land $17,164 Building $103,541	$362,260 (+19.37%) Land $51,513 Building $310,747
2022	$9,051.00 (+3.82%) Homeowner's exemption	$101,162 (+4.48%) Land $14,217 Building $86,945	$303,486 (+4.48%) Land $42,651 Building $260,835
2021	$8,718.00 Homeowner's exemption	$96,824 Land $13,607 Building $83,217	$290,472 Land $40,821 Building $249,651

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
Nearby Flood Policies	3 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	ELBURN serves 6,559 people · EPA ID IL0890300
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 163 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Mediacom Xtream Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20
Watch TV Fixed Wireless	100 / 20

May also be available: Verizon.

Nearby Properties on Gray Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures