Kane County property record for 809 Gerald Ave, South Elgin, IL 60177
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,302 sqft · built 1978 |
| Lot Size | 0.259 acres (11,266 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $136,000 (Sep 1996) |
| Tax Bill | $7,196 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Nov 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-27-458-014 |
| Primary APN | 06-27-458-014 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,302 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Split Level |
| Construction Type | Frame |
| Lot Area | 11,266 sqft (0.259 acres) |
| Lot Width | 42 ft Width |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|
| Street Address | 809 GERALD AVE |
|---|---|
| City | SOUTH ELGIN |
| State | IL |
| Zip | 60177-1009 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LEVINE BROS SUB UNIT 6 LOT 145 |
| Legal Subdivision | LEVINE BROS SUB |
| Legal Block | 1 |
| Legal Lot Number | 145 |
| Legal Unit | 6 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 854900 |
809 Gerald Ave is owned and occupied by two individuals who acquired it in February 2004.
Source: Kane County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 809 GERALD AVE, SOUTH ELGIN, IL 60177-1009 |
| 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 |
|---|---|
| Aug 24, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC |
| Nov 9, 2018 | Deed of Trust, Mortgage · FHA Mortgage DITECH FINANCIAL LLC |
| Oct 2, 2019 | Deed of Trust, Mortgage · FHA Mortgage DITECH FINANCIAL LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 17, 1996 · Amount on File |
| Deed Sale | Sep 17, 1996 · Amount on File |
| Prior Sale | Sep 12, 1995 · Amount on File |
| Deed Document Number | 199666498 |
| Last Transfer Date | Feb 20, 2004 |
| Transfer Doc | 0000033210 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Aug 24, 2026 |
| Property Address | 809 GERALD AVE, SOUTH ELGIN, IL 60177-1009 |
| Document Number | 0000036587 |
| Instrument Date | Aug 19, 2026 |
| Instrument | 202636587 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 809 GERALD AVE, SOUTH ELGIN, IL 60177-1009 |
| Document Number | 0000036587, |
|---|---|
| Date | Aug 24, 2026 |
| Instrument | 202636587 |
| Name | NEWREZ LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 809 GERALD AVE, SOUTH ELGIN, IL 60177-1009 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000054709 |
|---|---|
| Date | Nov 9, 2018 |
| Instrument | 2018K054709 |
| Name | DITECH FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WASHINGTON, PA 19034 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Dec 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 809 GERALD AVE, SOUTH ELGIN, IL 60177-1009 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | GREATER ILLINOIS TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0000046234 |
|---|---|
| Date | Oct 2, 2019 |
| Instrument | 2019K046234 |
| Name | DITECH FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WASHINGTON, PA 19034 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Sep 1, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.12% |
The 2025 property tax bill for 809 Gerald Ave was $7,196.
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | South Elgin Village |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,196.00 | $97,281 (+8.57%) Land $22,936 Building $74,345 | $291,960 (+8.57%) Land $68,836 Building $223,124 |
| 2024 | $89,603 Land $21,126 Building $68,477 | $268,917 Land $63,403 Building $205,513 | |
| 2022 | $6,351.00 (+5.69%) | $73,812 (+6.96%) Land $17,403 Building $56,409 | $221,436 (+6.96%) Land $52,209 Building $169,227 |
| 2021 | $6,009.00 | $69,009 Land $16,271 Building $52,738 | $207,027 Land $48,813 Building $158,214 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 809 Gerald Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2007.
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 File median of 23 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 23 in force |
| Nearby Flood Claims | 1 (2007) |
| Most Recent Claim | Aug 2007 · Severe Storms And Flooding |
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 809 Gerald Ave 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 | 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 471 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 |
| AT&T DSL · Fiber, Fixed Wireless in parts of the area | 100 / 20 |
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