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

Kane County property record for 905 E Middle St, South Elgin, IL 60177

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,311 sqft · built 1930
Lot Size	1.86 acres (81,085 sqft)
Owner	Individual Name on Record
Last Sale	$103,000 (Nov 2013)
Tax Bill	$5,757 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Sep 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-36-301-017`

Property Details

APN / Parcel Number

Primary APN	`06-36-301-017`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	5 Stories
Building Area	1,311 sqft Living Area
Gross Area	2,185 sqft
Basement Area	874 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Exterior Material	Brick
Lot Area	81,085 sqft
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	905 E MIDDLE ST
City	SOUTH ELGIN
State	IL
Zip	60177-2241
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GIBBONS ADDN TO SOUTH ELGIN PART OF LOT 1 DESC IN BOOK 1275/16 (EXCEPT PARTS DESC IN BOOK 1980/481, 246/436, & 2704/203)
Legal Subdivision	GIBBONS ADDN
Legal Block	2
Legal Lot Number	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2029
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	Individual Name on Record
Mailing Address	905 E MIDDLE ST, SOUTH ELGIN, IL 60177-2241
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Sep 20, 2018	Deed of Trust, Mortgage KANE COUNTY TEACHERS CU
Mar 13, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage BUSEY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 13, 2013 · Amount on Record
Deed Sale	Nov 13, 2013 · Amount on Record
Prior Sale	Dec 21, 2012 · Amount on Record
Deed Document Number	201380341
Prior Transfer Date	Oct 16, 2013
Prior Transfer Doc	0000080341
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	905 E MIDDLE ST, SOUTH ELGIN, IL 60177-2241
Transaction Type	Mortgage
Record Updated	Dec 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000089674
Date	Dec 1, 2021
Instrument	2021K089674

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	905 E MIDDLE ST, SOUTH ELGIN, IL 60177-2241
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000046137
Date	Sep 20, 2018
Instrument	2018K046137

Lender

Name	KANE COUNTY TEACHERS CU
Type	Credit Union
Address	ELGIN, IL 60123

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Sep 7, 2023

March 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Mar 13, 2017
Property Address	905 E MIDDLE ST, SOUTH ELGIN, IL 60177-2241
Document Number	0000012853
Instrument Date	Mar 1, 2017
Instrument	2017K012853
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	905 E MIDDLE ST, SOUTH ELGIN, IL 60177-2241

Mortgage

Document Number	0000012854
Date	Mar 13, 2017
Instrument	2017K012854

Lender

Name	BUSEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2047

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	$5,757.00 (+13.15%) Homeowner's exemption	$85,834 (+8.57%) Land $31,240 Building $54,594	$257,605 (+8.57%) Land $93,758 Building $163,848
2024		$79,059 (+21.39%) Land $28,774 Building $50,285	$237,272 (+21.44%) Land $86,357 Building $150,915
2022	$5,088.00 (+6.44%) Homeowner's exemption	$65,126 (+6.96%) Land $23,703 Building $41,423	$195,378 (+6.96%) Land $71,109 Building $124,269
2021	$4,780.00 Homeowner's exemption	$60,889 Land $22,161 Building $38,728	$182,667 Land $66,483 Building $116,184

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (1983)
Most Recent Claim	Jul 1983 · rainfall accumulation

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 97% of the US · lower than 79% 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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