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

Kane County property record for 777 E Middle St, South Elgin, IL 60177

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,066 sqft · built 1947
Lot Size	0.38 acres (16,553 sqft)
Owner	2 Individual Names on Record
Last Sale	$235,000 (Oct 2018)
Tax Bill	$5,903 (2025)
Deeds & Mortgages	Jan 2022 Line of Credit Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-35-428-003`

Property Details

APN / Parcel Number

Primary APN	`06-35-428-003`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,066 sqft Living Area
Gross Area	2,132 sqft
1st Floor Area	1,066 sqft
Basement Area	1,066 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Construction Type	Frame
Lot Area	16,553 sqft (0.38 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	777 E MIDDLE ST
City	SOUTH ELGIN
State	IL
Zip	60177-2135
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GIBONS ADDN PART OF LOT 3
Legal Subdivision	GIBONS ADDN
Legal Block	3
Legal Lot Number	3
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3000
Census Tract	851801

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 Record	2 Individual Names on Record
Mailing Address	777 E MIDDLE ST, SOUTH ELGIN, IL 60177-2135
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2022	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jun 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage WINTRUST MORTGAGE
Oct 12, 2018	Warranty Deed, Transfer · Conventional Mortgage COMPASS MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 12, 2018 · Amount on Record
Deed Sale	Oct 12, 2018 · Amount on Record
Prior Sale	Feb 27, 2012 · Amount on Record
Deed Document Number	201850116
Prior Transfer Date	Nov 2, 2005
Prior Transfer Doc	0000148475
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	777 E MIDDLE ST, SOUTH ELGIN, IL 60177-2135
Transaction Type	Mortgage
Record Updated	Jan 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	777 E MIDDLE ST, SOUTH ELGIN, IL 60177-2135

Mortgage

Document Number	0000003805
Date	Jan 20, 2022
Instrument	2022K003805

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Dec 18, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	777 E MIDDLE ST, SOUTH ELGIN, IL 60177-2135
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033169
Date	Jun 24, 2020
Instrument	2020K033169

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.37%

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 12, 2018
Property Address	777 E MIDDLE ST, SOUTH ELGIN, IL 60177-2135
Document Number	0000050116
Instrument Date	Oct 1, 2018
Instrument	2018K050116
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$235.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	777 E MIDDLE ST, SOUTH ELGIN, IL 60177-2135

Mortgage

Document Number	0000050117
Date	Oct 12, 2018
Instrument	2018K050117

Lender

Name	COMPASS MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

Interest

Rate Type	Fixed Rate
Rate	4.62%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	Elgin Township
Municipality	South Elgin Village
Unified School District	School District U-46 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,903.00 (+13.17%) Homeowner's exemption	$87,808 (+8.57%) Land $24,779 Building $63,029	$263,529 (+8.57%) Land $74,367 Building $189,163
2024		$80,877 (+21.39%) Land $22,823 Building $58,054	$242,728 (+21.44%) Land $68,496 Building $174,232
2022	$5,216.00 (+6.41%) Homeowner's exemption	$66,624 (+6.96%) Land $18,801 Building $47,823	$199,872 (+6.96%) Land $56,403 Building $143,469
2021	$4,902.00 Homeowner's exemption	$62,289 Land $17,578 Building $44,711	$186,867 Land $52,734 Building $134,133

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
Flood Insurance Cost	Premium on Record median of 23 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	23 in force
Nearby Flood Claims	33 (1978–2020)
Claims Outside the SFHA	2 of 33
Most Recent Claim	May 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 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 234 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
Fox Valley Internet Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Verizon.

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