641 Downing St, Elburn, IL 60119 Property Records

Kane County property record for 641 Downing St, Elburn, IL 60119

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,268 sqft · built 1999
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$375,000 (Feb 2022)
Tax Bill	$10,667 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Apr 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-32-380-006`

Property Details

APN / Parcel Number

Primary APN	`08-32-380-006`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,268 sqft Living Area
Gross Area	3,969 sqft
Basement Area	1,041 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Aluminum/Vinyl
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	352 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	641 DOWNING ST
City	ELBURN
State	IL
Zip	60119-8866
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	HIGHLAND 9
Legal Block	2
Legal Lot Number	101
Jurisdiction	KANE IL
Township / Civil Division	CAMPTON
Census Block Group	2
Census Block	2044
Census Tract	852408

Owner

641 Downing St is owned and occupied by two individuals who bought it in February 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	641 DOWNING ST, ELBURN, IL 60119-8866
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
Feb 1, 2022	Warranty Deed, Transfer · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP
Apr 26, 2021	Transfer on Death Deed, Transfer
Feb 13, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Jan 14, 2020	Warranty Deed, Transfer · Conventional Mortgage KELLER MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 2022 · Amount on File
Deed Sale	Feb 1, 2022 · Amount on File
Prior Sale	Jan 14, 2020 · Amount on File
Deed Document Number	20226145
Prior Transfer Date	Mar 24, 2021
Prior Transfer Doc	0000032630
Record Updated	Oct 29, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Feb 1, 2022
Property Address	641 DOWNING ST, ELBURN, IL 60119-8866
Document Number	0000006145
Instrument Date	Jan 17, 2022
Instrument	2022K006145
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$375.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	641 DOWNING ST, 641, ELBURN, IL 60119-8866

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	245 E WILLOW AVE APT 502, 502, WHEATON, IL 60187-5497

Mortgage

Document Number	0000006146
Date	Feb 1, 2022
Instrument	2022K006146

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2052

Interest

Rate Type	Fixed Rate
Rate	3.25%

April 2021: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	KANE IL
Recording Date	Apr 26, 2021
Property Address	641 DOWNING ST, ELBURN, IL 60119-8866
Document Number	0000032630
Instrument Date	Mar 24, 2021
Instrument	2021K032630
Transaction Type	Transfer
Record Updated	Jul 27, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	641 DOWNING ST, 641, ELBURN, IL 60119-8866

Transferred To (Grantee/Buyer)

Name	Verified Name

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Feb 13, 2019
Property Address	641 DOWNING ST, ELBURN, IL 60119-8866
Document Number	0000005992
Instrument Date	Feb 11, 2019
Instrument	5992
Transaction Type	Transfer
Record Updated	Feb 21, 2019
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	Revocable Trust
Address	641 DOWNING ST ELBURN IL 601198866, ELBURN, IL 60119-8866

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 14, 2020
Property Address	641 DOWNING ST, ELBURN, IL 60119-8866
Document Number	0000002324
Instrument Date	Jan 9, 2019
Instrument	2020K002324
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$286.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	641 DOWNING ST, ELBURN, IL 60119-8866
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002325
Date	Jan 14, 2020
Instrument	2020K002325

Lender

Name	KELLER MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.87%

Tax Assessment & Valuation

The 2025 property tax bill for 641 Downing St was $10,667 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	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	$10,667.00 Homeowner's exemption	$136,742 (+8.43%) Land $22,392 Building $114,350	$410,390 (+8.43%) Land $67,203 Building $343,187
2024		$126,111 Land $20,651 Building $105,460	$378,484 Land $61,978 Building $316,507
2022	$9,732.00 (+4.24%) Homeowner's exemption	$102,734 (+5.91%) Land $16,823 Building $85,911	$308,202 (+5.91%) Land $50,469 Building $257,733
2021	$9,336.00 Homeowner's exemption	$97,001 Land $15,884 Building $81,117	$291,003 Land $47,652 Building $243,351

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 641 Downing St 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
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

The area around 641 Downing St 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	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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