823 Independence Ave, Elburn, IL 60119 Property Records

Kane County property record for 823 Independence Ave, Elburn, IL 60119

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,402 sqft · built 2004
Lot Size	0.221 acres (9,627 sqft)
Owner	2 Individual Names on File
Last Sale	$360,000 (Jun 2021)
Tax Bill	$13,049 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Jun 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`11-08-428-002`

Property Details

APN / Parcel Number

Primary APN	`11-08-428-002`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,402 sqft Living Area
Basement Area	2,373 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	9,627 sqft (0.221 acres)
Garage Area	562 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	504 sqft

Utilities, Heating & Cooling

Cooling System	Central
Water Source	Commercial

Location & Zoning

Street Address	823 INDEPENDENCE AVE
City	ELBURN
State	IL
Zip	60119-9476
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLACKBERRY CREEK SUB UNIT NO 2 - LOT 511
Legal Subdivision	BLACKBERRY CREEK SUB
Legal Block	2
Legal Lot Number	511
Legal Unit	2
Jurisdiction	KANE IL
Township / Civil Division	BLACKBERRY
Census Block Group	2
Census Block	2058
Census Tract	854507

Owner

823 Independence Ave is owned and occupied by two individuals who bought it in June 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	823 INDEPENDENCE AVE, ELBURN, IL 60119-9476
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2020	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jun 2, 2021	Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC
Jul 28, 2020	Loan Modification, Mortgage · Conventional Mortgage PENNYMAC
Apr 4, 2017	Warranty Deed, Transfer · FHA Mortgage PERL MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2021 · Amount on File
Deed Sale	Jun 2, 2021 · Amount on File
Prior Sale	Apr 4, 2017 · Amount on File
Deed Document Number	202141953
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	823 INDEPENDENCE AVE, ELBURN, IL 60119-9476
Transaction Type	Mortgage
Record Updated	Nov 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 N-681 EAST EAGLE COURT, SAINT CHARLES, IL 60175-6400

Mortgage

Document Number	0000052466
Date	Sep 14, 2020
Instrument	2020K052466

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 2, 2021
Property Address	823 INDEPENDENCE AVE, ELBURN, IL 60119-9476
Document Number	0000041953
Map Reference	DOC 2002K149458
Instrument Date	May 4, 2021
Instrument	2021K041953
Transaction Type	Transfer
Record Updated	Jun 16, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	823 INDEPENDENCE AVE, CAROL STREAM, IL 60116-0001

Mortgage

Document Number	0000041954
Date	Jun 2, 2021
Instrument	2021K041954

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

July 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KANE IL
Property Address	823 INDEPENDENCE AVE, ELBURN, IL 60119-9476
Document Number	0000053543
Instrument Date	Jul 28, 2020
Transaction Type	Mortgage
Record Updated	Oct 19, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	823 INDEPENDENCE AVE ELBURN IL 601199476, ELBURN, IL 60119-9476

Mortgage

Document Number	0000053543
Date	Sep 17, 2020
Instrument	53543

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 16, 2050

Interest

Rate	3.62%

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 4, 2017
Property Address	823 INDEPENDENCE AVE, ELBURN, IL 60119-9476
Document Number	0000016640
Map Reference	DOC2002K149458
Instrument Date	Mar 29, 2017
Instrument	2017K016640
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
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
Address	823 INDEPENDENCE AVE, ELBURN, IL 60119-9476

Mortgage

Document Number	0000016641
Date	Apr 4, 2017
Instrument	2017K016641

Lender

Name	PERL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 823 Independence Ave was $13,049 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	Blackberry Township
Municipality	Elburn Village
Unified School District	Kaneland Community Unit School District 302 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$13,049.00 Homeowner's exemption	$174,924 (+8.89%) Land $18,690 Building $156,234	$524,982 (+8.89%) Land $56,092 Building $468,890
2024		$160,643 Land $17,164 Building $143,479	$482,122 Land $51,513 Building $430,609
2022	$12,509.00 (+3.74%) Homeowner's exemption	$143,007 (+8.64%) Land $14,217 Building $128,790	$429,021 (+8.64%) Land $42,651 Building $386,370
2021	$12,058.00 Homeowner's exemption	$131,629 Land $13,607 Building $118,022	$394,887 Land $40,821 Building $354,066

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

FEMA maps place 823 Independence Ave 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
Nearby Flood Policies	3 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

Wildfire risk around 823 Independence Ave 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 95% of the US · lower than 70% 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	ELBURN serves 6,559 people · EPA ID IL0890300
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 84 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20
Watch TV Fixed Wireless	100 / 20

May also be available: Verizon.

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