653 Downing St, Elburn, IL 60119 Property Records

Kane County property record for 653 Downing St, Elburn, IL 60119

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,739 sqft · built 1999
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on Record
Last Sale	$408,000 (Nov 2025)
Tax Bill	$11,056 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Jun 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-32-380-004`

Property Details

APN / Parcel Number

Primary APN	`08-32-380-004`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,739 sqft Living Area
Gross Area	4,484 sqft
Basement Area	1,350 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Aluminum/Vinyl
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Attached
Garage Area	395 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Water Source	Commercial

Location & Zoning

Street Address	653 DOWNING ST
City	ELBURN
State	IL
Zip	60119-8866
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIGHLAND, UNIT 9 LOT 99
Legal Subdivision	HIGHLAND
Legal Block	2
Legal Lot Number	99
Legal Unit	9
Jurisdiction	KANE IL
Township / Civil Division	CAMPTON
Census Block Group	2
Census Block	2044
Census Tract	852408

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1351 OAK HILL LN, HAMPSHIRE, IL 60140-7408
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2024	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Jun 8, 2021	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Nov 12, 2025	Warranty Deed, Transfer · Conventional Mortgage FIRST FEDERAL SAVINGS BANK
May 4, 2018	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2025 · Amount on Record
Deed Sale	Nov 12, 2025 · Amount on Record
Prior Sale	May 4, 2018 · Amount on Record
Deed Document Number	202544878
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	653 DOWNING ST, ELBURN, IL 60119-8866
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	653 DOWNING ST, ELBURN, IL 60119-8866

Mortgage

Document Number	0000000373
Date	Jan 4, 2024
Instrument	2024K000373

Lender

Name	US BANK NA
Type	Bank
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	292 Months
Due	May 1, 2048

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	653 DOWNING ST, ELBURN, IL 60119-8866
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000043672
Date	Jun 8, 2021
Instrument	2021K043672

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	323 Months
Due	May 1, 2048

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Nov 12, 2025
Property Address	653 DOWNING ST, ELBURN, IL 60119-8866
Document Number	0000044878
Instrument Date	Oct 22, 2025
Instrument	2025K044878
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$408.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	653 DOWNING ST, ELBURN, IL 60119-8866

Mortgage

Document Number	0000044879
Date	Nov 12, 2025
Instrument	2025K044879

Lender

Name	FIRST FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 4, 2018
Property Address	653 DOWNING ST, ELBURN, IL 60119-8866
Document Number	0000020593
Instrument Date	Apr 27, 2018
Instrument	20593
Transaction Type	Transfer
Record Updated	Jan 12, 2019
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$417.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	653 DOWNING ST ELBURN IL 601198866, ELBURN, IL 60119-8866

Mortgage

Document Number	20594
Date	May 4, 2018
Instrument	20594

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 3, 2048

Interest

Rate Type	Fixed Rate
Rate	4.75%

Tax Assessment & Valuation

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	$11,056.00 (+2.88%) Homeowner's exemption	$141,444 (+8.43%) Land $22,392 Building $119,052	$424,502 (+8.43%) Land $67,203 Building $357,299
2024	$10,747.00 (+6.54%) Homeowner's exemption	$130,447 (+22.76%) Land $20,651 Building $109,796	$391,498 (+22.8%) Land $61,978 Building $329,520
2022	$10,087.00 (+4.23%) Homeowner's exemption	$106,266 (+5.91%) Land $16,823 Building $89,443	$318,798 (+5.91%) Land $50,469 Building $268,329
2021	$9,678.00 Homeowner's exemption	$100,336 Land $15,884 Building $84,452	$301,008 Land $47,652 Building $253,356

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 96% of the US · lower than 74% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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