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

Kane County property record for 797 E Middle St, South Elgin, IL 60177

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,823 sqft · built 1967
Lot Size0.32 acres (13,939 sqft)
Owner2 Individual Names on Record
Last Sale$315,000 (Apr 2023)
Tax Bill$7,159 (2025)
Deeds & MortgagesApr 2023 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN06-35-428-004

Property Details

APN / Parcel Number

Primary APN06-35-428-004

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms7 Rooms
Stories2 Stories
Building Area1,823 sqft Living Area
Gross Area2,398 sqft
Basement Area575 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1967
Effective Year BuiltEffective 1967
Architectural StyleSplit Level
Construction TypeFrame
Foundation TypeRaised
Lot Area13,939 sqft (0.32 acres)
Garage TypeAttached
Parking Spaces2 Parking Spaces
Pool Area504 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Water SourceCommercial

Location & Zoning

Street Address797 E MIDDLE ST
CitySOUTH ELGIN
StateIL
Zip60177-2135
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionMIDDLE EAST SUB LOT 2 (EXCEPT SOUTH 10 FT & ALL LOT 1)
Legal SubdivisionMIDDLE EAST SUB
Legal Block3
Legal Lot Number2,1
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 Address797 E MIDDLE ST, SOUTH ELGIN, IL 60177-2135
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 6, 2023 · Amount on Record
Deed SaleApr 6, 2023 · Amount on Record
Prior SaleMar 16, 2007 · Amount on Record
Deed Document Number202310807
Prior Transfer DateMar 19, 1999
Prior Transfer Doc0000029970
Record UpdatedOct 29, 2026

April 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateApr 6, 2023
Property Address797 E MIDDLE ST, SOUTH ELGIN, IL 60177-2135
Document Number0000010807
Instrument DateMar 30, 2023
Instrument2023K010807
Transaction TypeTransfer
Record UpdatedApr 14, 2023
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$315.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address797 E MIDDLE ST, SOUTH ELGIN, IL 60177-2135

Mortgage

Document Number0000010808
DateApr 6, 2023
Instrument2023K010808
Lender
NamePLAZA HOME MORTGAGE INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueMay 1, 2053
Interest
Rate6.75%

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$7,159.00 (+13.19%)$104,781 (+8.57%) Land $22,624 Building $82,157$314,469 (+8.57%) Land $67,899 Building $246,570
2024$96,510 (+21.39%) Land $20,838 Building $75,672$289,646 (+21.44%) Land $62,539 Building $227,107
2022$6,325.00 (+6.3%) Homeowner's exemption$79,502 (+6.96%) Land $17,166 Building $62,336$238,506 (+6.96%) Land $51,498 Building $187,008
2021$5,950.00 Homeowner's exemption$74,329 Land $16,049 Building $58,280$222,987 Land $48,147 Building $174,840

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 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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