Kane County property record for 7 Cedar Ct, South Elgin, IL 60177
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,810 sqft · built 1996 |
| Lot Size | 0.163 acres (7,093 sqft) |
| Owner | Individual Name on File |
| Last Sale | $35,333 (Dec 2021) |
| Tax Bill | $8,672 (2025) |
| Deeds & Mortgages | Dec 2022 Second Mortgage Jul 2023 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-03-128-007 |
| Primary APN | 09-03-128-007 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,810 sqft Living Area |
| Basement Area | 886 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,093 sqft (0.163 acres) |
| Garage Type | Attached |
| Garage Area | 443 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 7 CEDAR CT |
|---|---|
| City | SOUTH ELGIN |
| State | IL |
| Zip | 60177-2823 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUGAR RIDGE UNIT 1 - LOT 245 |
| Legal Subdivision | SUGAR RIDGE |
| Legal Block | 2 |
| Legal Lot Number | 245 |
| Legal Unit | 1 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 852104 |
7 Cedar Ct is owned and occupied by an individual who bought it in December 2021.
Source: Kane County records, as of July 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 7 CEDAR CT, SOUTH ELGIN, IL 60177-2823 |
| 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.
| Date | Document |
|---|---|
| Dec 7, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DUPAGE CU |
| Jul 12, 2023 | Deed of Trust, Mortgage · Line of Credit DUPAGE CU |
| Dec 17, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Aug 5, 2019 | Intrafamily Transfer, Transfer · Conventional Mortgage SYNERGY ONE LENDING |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 17, 2021 · Amount on File |
| Deed Sale | Dec 17, 2021 · Amount on File |
| Prior Sale | Jul 14, 1997 · Amount on File |
| Deed Document Number | 202193723 |
| Prior Transfer Date | Nov 13, 2021 |
| Prior Transfer Doc | 0000093723 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 7 CEDAR CT, SOUTH ELGIN, IL 60177-2823 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Title Company | HEARTLAND TITLE COMPANY, WHEATLAND TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0000057871 |
|---|---|
| Date | Dec 7, 2022 |
| Instrument | 2022K057871 |
| Name | DUPAGE CU |
|---|---|
| Type | Credit Union |
| Address | NAPERVILLE, IL 60567 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 85 Months |
| Due | Jan 1, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 7 CEDAR CT, SOUTH ELGIN, IL 60177-2823 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000023219 |
|---|---|
| Date | Jul 12, 2023 |
| Instrument | 2023K023219 |
| Name | DUPAGE CU |
|---|---|
| Type | Credit Union |
| Address | NAPERVILLE, IL 60567 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jun 30, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Dec 17, 2021 |
| Property Address | 7 CEDAR CT, SOUTH ELGIN, IL 60177-2823 |
| Document Number | 0000093723 |
| Map Reference | DOC 92K07042 |
| Instrument Date | Nov 13, 2021 |
| Instrument | 2021K093723 |
| Transaction Type | Transfer |
| Record Updated | Dec 28, 2021 |
| Title Company | SECURITY SETTLEMENT SERVICES INC, EQUITY SETTLEMENT SVCS INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7 CEDAR CT, SOUTH ELGIN, IL 60177-2823 |
| Document Number | 0000093724 |
|---|---|
| Date | Dec 17, 2021 |
| Instrument | 2021K093724 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.99% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Aug 5, 2019 |
| Property Address | 7 CEDAR CT, SOUTH ELGIN, IL 60177-2823 |
| Document Number | 0000034587 |
| Map Reference | DOC 92K0742 |
| Instrument Date | Apr 23, 2019 |
| Instrument | 2019K034587 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7 CEDAR CT, SOUTH ELGIN, IL 60177-2823 |
| Document Number | 0000034588 |
|---|---|
| Date | Aug 5, 2019 |
| Instrument | 2019K034588 |
| Name | SYNERGY ONE LENDING |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 237 Months |
| Due | May 1, 2039 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4% |
The 2025 property tax bill for 7 Cedar Ct was $8,672 with a homeowner's exemption.
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | St. Charles Township |
| Municipality | South Elgin Village |
| Unified School District | St. Charles Community Unit School District 303 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,672.00 Homeowner's exemption | $131,132 (+8.53%) Land $30,312 Building $100,820 | $393,553 (+8.53%) Land $90,972 Building $302,581 |
| 2024 | $120,826 Land $27,930 Building $92,896 | $362,623 Land $83,824 Building $278,800 | |
| 2022 | $7,096.00 (+4.2%) Homeowner's exemption | $93,551 (+4.91%) Land $26,746 Building $66,805 | $280,653 (+4.91%) Land $80,238 Building $200,415 |
| 2021 | $6,810.00 Homeowner's exemption | $89,172 Land $25,494 Building $63,678 | $267,516 Land $76,482 Building $191,034 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7 Cedar Ct 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 |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 1 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 risk around 7 Cedar Ct is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 94% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SOUTH ELGIN serves 23,648 people · EPA ID IL0890800 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2024 |
| Lead | 1 ppb (2026) action level 15 ppb |
| Copper | 1.5 mg/L (2024) action level 1.3 mg/L |
| Water Quality | Barium not recorded as resolved · Apr 2026 |
|---|---|
| Treatment and Procedure | Corrosion control Jul 2025 |
| Monitoring and Reporting | 5 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.
Source: FCC Broadband Data Collection, based on 143 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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