637 E Willow St, Elburn, IL 60119 Property Records

Kane County property record for 637 E Willow St, Elburn, IL 60119

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,764 sqft · built 2004
Lot Size	0.021 acres (921 sqft)
Owner	2 Individual Names on Record
Last Sale	$181,000 (Aug 2020)
Tax Bill	$6,210 (2025)
Deeds & Mortgages	Nov 2019 Mortgage Aug 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-32-382-035`

Property Details

APN / Parcel Number

Primary APN	`08-32-382-035`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,764 sqft Living Area
Gross Area	2,536 sqft
Basement Area	352 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Combination
Lot Area	921 sqft (0.021 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	38 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	637 E WILLOW ST
City	ELBURN
State	IL
Zip	60119-7113
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STONEBREAKERS RESUB LOT 10
Legal Subdivision	STONEBREAKERS RESUB
Legal Block	2
Legal Lot Number	10
Jurisdiction	KANE IL
Township / Civil Division	CAMPTON
Census Block Group	2
Census Block	2042
Census Tract	852408

Owner

Source: Kane County records, as of July 21, 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	637 E WILLOW ST, ELBURN, IL 60119-7113
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2019	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 4, 2020	Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA
Dec 12, 2018	Warranty Deed, Transfer · FHA Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2020 · Amount on Record
Deed Sale	Aug 4, 2020 · Amount on Record
Prior Sale	Dec 12, 2018 · Amount on Record
Deed Document Number	202043008
Record Updated	Sep 20, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	637 E WILLOW ST, ELBURN, IL 60119-7113
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000056523
Date	Nov 21, 2019
Instrument	2019K056523

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 4, 2020
Property Address	637 E WILLOW ST, ELBURN, IL 60119-7113
Document Number	0000043008
Map Reference	DOC 2003K049882
Instrument Date	Jul 21, 2020
Instrument	2020K043008
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	STARCK TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$181.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	637 E WILLOW ST, 637, ELBURN, IL 60119-7113

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	637 E WILLOW ST, ELBURN, IL 60119-7113

Mortgage

Document Number	0000043009
Date	Aug 4, 2020
Instrument	2020K043009

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 12, 2018
Property Address	637 E WILLOW ST, ELBURN, IL 60119-7113
Document Number	0000059654
Map Reference	DOC2003K49885
Instrument Date	Nov 27, 2018
Instrument	2018K059654
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	PRECISION TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$166.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	637 E WILLOW ST, ELBURN, IL 60119-7113

Mortgage

Document Number	0000059655
Date	Dec 12, 2018
Instrument	2018K059655

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2048

Interest

Rate	5%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 2025

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	Campton 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	$6,210.00 (+12.42%) Homeowner's exemption
2024		$76,503 (+25.59%) Land $6,569 Building $69,934	$229,601 (+25.64%) Land $19,715 Building $209,886
2022	$5,524.00 (+4.52%) Homeowner's exemption	$60,916 (+5.91%) Land $5,351 Building $55,565	$182,748 (+5.91%) Land $16,053 Building $166,695
2021	$5,285.00 Homeowner's exemption	$57,516 Land $5,052 Building $52,464	$172,548 Land $15,156 Building $157,392

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

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Watch TV, Xfinity.

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