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741 E Middle St, South Elgin, IL 60177 Property Records

Kane County property record for 741 E Middle St, South Elgin, IL 60177

Property Summary

Property TypeSingle Family Home
Details1 ba · 1,681 sqft · built 1934
Lot Size1.9 acres (82,764 sqft)
Owner2 Individual Names on Record
Tax Bill$6,352 (2025)
Deeds & MortgagesOct 2022 Mortgage
Jul 2018 Transfer
Flood ZoneZone X (minimal risk)
APN06-35-428-001

Property Details

APN / Parcel Number

Primary APN06-35-428-001

Interior

Full Baths1 Bath
Total Rooms5 Rooms
Stories1 Story
Building Area1,681 sqft Living Area
Gross Area2,834 sqft
1st Floor Area1,681 sqft
Basement Area1,153 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1934
Effective Year BuiltEffective 1934
Construction TypeFrame
Foundation TypeNo Foundation
Lot Area82,764 sqft
Garage TypeDetached
Parking Spaces1 Parking Space

Location & Zoning

Street Address741 E MIDDLE ST
CitySOUTH ELGIN
StateIL
Zip60177-2135
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionGIBONS ADDN LOT 3
Legal SubdivisionGIBONS ADDN
Legal Block3
Legal Lot Number3
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group3
Census Block3000
Census Tract851801

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address741 E MIDDLE ST, SOUTH ELGIN, IL 60177-2135
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Oct 5, 2022Deed of Trust, Mortgage · FHA Mortgage
GUARANTEED RATE INC
Jul 31, 2018Quit Claim Deed, Transfer
CHICAGO TITLE COMPANY

Assessor's Deed Record

Deed Names2 Names on Deed
Last Transfer DateJul 30, 2018
Transfer Doc0000036847
Record UpdatedSep 20, 2026

October 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address741 E MIDDLE ST, SOUTH ELGIN, IL 60177-2135
Transaction TypeMortgage
Record UpdatedOct 11, 2022
Title CompanyCHICAGO TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000048957
DateOct 5, 2022
Instrument2022K048957
Lender
NameGUARANTEED RATE INC
TypeMortgage Company
AddressCHICAGO, IL 60613
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueOct 1, 2052
Interest
Rate TypeFixed Rate
Rate5.55%

July 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionKANE IL
Recording DateJul 31, 2018
Property Address741 E MIDDLE ST, SOUTH ELGIN, IL 60177-2135
Document Number0000036847
Instrument DateJul 30, 2018
Instrument36847
Transaction TypeTransfer
Record UpdatedAug 7, 2018
Title CompanyCHICAGO TITLE COMPANY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address741 E MIDDLE ST SOUTH ELGIN IL 601772135, SOUTH ELGIN, IL 60177-2135

Tax Assessment & Valuation

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionElgin Township
MunicipalitySouth Elgin Village
Unified School DistrictSchool District U-46 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$6,352.00 (+11.34%) Homeowner's exemption Senior Citizen's exemption$101,880 (+8.57%) Land $39,857 Building $62,023$305,762 (+8.57%) Land $119,619 Building $186,143
2024$93,838 (+21.39%) Land $36,711 Building $57,127$281,627 (+21.44%) Land $110,177 Building $171,450
2022$5,705.00 (+6.92%) Homeowner's exemption$77,301 (+6.96%) Land $30,242 Building $47,059$231,903 (+6.96%) Land $90,726 Building $141,177
2021$5,336.00 Homeowner's exemption$72,271 Land $28,274 Building $43,997$216,813 Land $84,822 Building $131,991

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 23 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies23 in force
Nearby Flood Claims33 (1978–2020)
Claims Outside the SFHA2 of 33
Most Recent ClaimMay 2020 · rainfall accumulation
Claims by Event
  • Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 5 claims
  • Severe Storms And Flooding, Sep 2008 · 16 claims

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 RiskLow
lower than 99.1% of the US · lower than 94% of Illinois
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemSOUTH ELGIN
serves 23,648 people · EPA ID IL0890800
Water SourceGroundwater
Last State InspectionApr 2024
Lead1 ppb (2026)
action level 15 ppb
Copper1.5 mg/L (2024)
action level 1.3 mg/L

Violations Reported to EPA

Water QualityBarium
not recorded as resolved · Apr 2026
Treatment and ProcedureCorrosion control
Jul 2025
Monitoring and Reporting5
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 234 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Metronet
Fiber		5,120 / 5,120
Xfinity
Cable		2,000 / 250
Fox Valley Internet
Fixed Wireless		100 / 20
AT&T
DSL		100 / 20

May also be available: Verizon.

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