Kane County property record for 686 Ridge Dr, Elburn, IL 60119
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,393 sqft · built 2003 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $275,000 (Aug 2003) |
| Tax Bill | $9,641 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-32-450-010 |
| Primary APN | 08-32-450-010 |
|---|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,393 sqft Living Area |
| Gross Area | 4,384 sqft |
| Basement Area | 1,242 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,019 sqft (0.23 acres) |
| Garage Type | Attached |
| Garage Area | 749 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Cooling System | Central |
|---|
| Street Address | 686 RIDGE DR |
|---|---|
| City | ELBURN |
| State | IL |
| Zip | 60119-7137 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WILLIAMS RIDGE UNIT NO 2 PHASE 3 - LOT 99 |
| Legal Subdivision | WILLIAMS RIDGE |
| Legal Phase | 3 |
| Legal Block | 2 |
| Legal Lot Number | 99 |
| Legal Unit | 2 |
| Jurisdiction | KANE IL |
| Township / Civil Division | CAMPTON |
| Census Block Group | 2 |
| Census Block | 2044 |
| Census Tract | 852408 |
686 Ridge Dr is owned and occupied by two individuals who bought it in August 2003.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 686 RIDGE DR, ELBURN, IL 60119-7137 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 21, 2003 · Amount on File |
| Deed Sale | Aug 21, 2003 · Amount on File |
| Deed Document Number | 2003149439 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 686 RIDGE DR, ELBURN, IL 60119-7137 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2021 |
| Title Company | AF TITLE COMPANY, FOX TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000094793 |
|---|---|
| Date | Dec 22, 2021 |
| Instrument | 2021K094793 |
| Name | OLD SECOND NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | AURORA, IL 60506 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Jan 1, 2032 |
The 2025 property tax bill for 686 Ridge Dr was $9,641 with a homeowner's exemption.
Source: Kane County assessment roll, as of July 23, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,641.00 Homeowner's exemption | $125,342 (+8.43%) Land $22,393 Building $102,949 | $376,176 (+8.43%) Land $67,206 Building $308,971 |
| 2024 | $115,597 Land $20,652 Building $94,945 | $346,930 Land $61,981 Building $284,949 | |
| 2022 | $8,809.00 (+4.45%) Homeowner's exemption | $94,169 (+5.91%) Land $16,824 Building $77,345 | $282,507 (+5.91%) Land $50,472 Building $232,035 |
| 2021 | $8,434.00 Homeowner's exemption | $88,914 Land $15,885 Building $73,029 | $266,742 Land $47,655 Building $219,087 |
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.
FEMA maps place 686 Ridge Dr 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.
The area around 686 Ridge Dr 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.
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 |
| 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.
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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