651 E Willow St, Elburn, IL 60119 Property Records

Kane County property record for 651 E Willow St, Elburn, IL 60119 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,164 sqft · built 2004
Lot Size	0.03 acres (1,327 sqft)
Owner	Individual Name on File
Last Sale	$214,940 (Aug 2012)
Tax Bill	$5,636 (2025)
Deeds & Mortgages	Apr 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-32-382-044`

Property Details

APN / Parcel Number

Primary APN	`08-32-382-044`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,164 sqft Living Area
Gross Area	2,330 sqft
1st Floor Area	1,164 sqft
Basement Area	534 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Combination
Lot Area	1,327 sqft (0.03 acres)
Garage Type	Attached
Garage Area	632 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	38 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	651 E WILLOW ST
City	ELBURN
State	IL
Zip	60119-7113
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STONEBREAKERS RESUB LOT 18
Legal Subdivision	STONEBREAKERS RESUB
Legal Block	1
Legal Lot Number	18
Jurisdiction	KANE IL
Township / Civil Division	CAMPTON
Census Block Group	2
Census Block	2042
Census Tract	852408

Owner

Source: Kane County records · APN 08-32-382-044

Assessment roll updated August 25, 2025 · Last verified July 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 File
Mailing Address	651 E WILLOW ST, ELBURN, IL 60119-7113
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 14, 2012 · Amount on Record
Deed Sale	Aug 14, 2012 · Amount on Record
Prior Sale	Sep 13, 2004 · Amount on Record
Deed Document Number	201253873
Prior Transfer Date	Aug 11, 2006
Prior Transfer Doc	0000100488
Record Updated	Sep 20, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	651 E WILLOW ST, ELBURN, IL 60119-7113
Document Number	0000021913
Instrument Date	Apr 25, 2017
Transaction Type	Mortgage
Record Updated	May 24, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	651 E WILLOW ST ELBURN IL 601197113, ELBURN, IL 60119-7113

Mortgage

Document Number	0000021913
Date	May 01, 2017
Instrument	21913

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 30, 2047

Interest

Rate	3.87%

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,636.00 (+9.59%) Homeowner's exemption
2024		$70,118 (+22.76%) Land $6,569 Building $63,549	$210,438 (+22.8%) Land $19,715 Building $190,723
2022	$5,143.00 (+4.6%) Homeowner's exemption	$57,120 (+5.91%) Land $5,351 Building $51,769	$171,360 (+5.91%) Land $16,053 Building $155,307
2021	$4,917.00 Homeowner's exemption	$53,932 Land $5,052 Building $48,880	$161,796 Land $15,156 Building $146,640

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170898524082, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 3 individual NFIP policies nearby
Nearby Flood Policies	3 in force 3 of 3 on primary residences

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.