Kane County property record for 906 Elm St, Sugar Grove, IL 60554
| Property Type | Single Family Home |
|---|---|
| Details | 2,580 sqft · built 2000 |
| Lot Size | 0.285 acres (12,404 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $429,500 (Mar 2023) |
| Tax Bill | $11,887 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Mar 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-04-480-007 |
| Primary APN | 14-04-480-007 |
|---|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,580 sqft Living Area |
| Gross Area | 3,063 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Lot Area | 12,404 sqft (0.285 acres) |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Cooling System | Central |
|---|
| Street Address | 906 ELM ST |
|---|---|
| City | SUGAR GROVE |
| State | IL |
| Zip | 60554-9295 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BLISS WOODS CLUB UNIT 1 (REVISED AS LAKES OF BLISS WOODS UNIT 1) PER DOC 2003K005453 LOT 15 |
| Legal Subdivision | BLISS WOODS CLUB |
| Legal Block | 1 |
| Legal Lot Number | 1 |
| Legal Unit | 1 |
| Jurisdiction | KANE IL |
| Township / Civil Division | SUGAR GROVE |
| Census Block Group | 1 |
| Census Block | 1054 |
| Census Tract | 854504 |
906 Elm St is owned and occupied by two individuals who bought it in March 2023.
Source: Kane County records, as of September 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 906 ELM ST, SUGAR GROVE, IL 60554-9295 |
| 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.
| Date | Document |
|---|---|
| Aug 31, 2026 | Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC |
| Mar 14, 2023 | Warranty Deed, Transfer · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP |
| Sep 8, 2021 | Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Apr 30, 2020 | Warranty Deed, Transfer · Conventional Mortgage US BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 14, 2023 · Amount on File |
| Deed Sale | Mar 14, 2023 · Amount on File |
| Prior Sale | Sep 8, 2021 · Amount on File |
| Deed Document Number | 20237826 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Aug 31, 2026 |
| Property Address | 906 ELM ST, SUGAR GROVE, IL 60554-9295 |
| Document Number | 0000037632 |
| Instrument Date | Aug 24, 2026 |
| Instrument | 202637632 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety, 298 |
| Document Number | 0000037632, |
|---|---|
| Date | Aug 31, 2026 |
| Instrument | 202637632 |
| Name | SPRING EQ LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 11.4% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Mar 14, 2023 |
| Property Address | 906 ELM ST, SUGAR GROVE, IL 60554-9295 |
| Document Number | 0000007826 |
| Map Reference | DOC 1999K089430 |
| Instrument Date | Dec 3, 2022 |
| Instrument | 2023K007826 |
| Transaction Type | Transfer |
| Record Updated | Mar 22, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $429.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 906 ELM ST, SUGAR GROVE, IL 60554-9295 |
| Document Number | 0000007827 |
|---|---|
| Date | Mar 14, 2023 |
| Instrument | 2023K007827 |
| Name | DRAPER & KRAMER MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 7.5% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Sep 8, 2021 |
| Property Address | 906 ELM ST, SUGAR GROVE, IL 60554-9295 |
| Document Number | 0000068205 |
| Map Reference | DOC 1999K089430 |
| Instrument Date | Sep 8, 2021 |
| Instrument | 2021K068205 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $395.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 906 ELM ST, SUGAR GROVE, IL 60554-9295 |
| Document Number | 0000068206 |
|---|---|
| Date | Sep 8, 2021 |
| Instrument | 2021K068206 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.12% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Sep 1, 2028 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 7.12% |
| Index | 1-Year LIBOR |
| Max Rate | 7.12% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Apr 30, 2020 |
| Property Address | 906 ELM ST, SUGAR GROVE, IL 60554-9295 |
| Document Number | 0000021800 |
| Instrument Date | Mar 24, 2020 |
| Instrument | 2020K021800 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $333.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 906 ELM ST, SUGAR GROVE, IL 60554-9295 |
| Document Number | 0000021801 |
|---|---|
| Date | Apr 30, 2020 |
| Instrument | 2020K021801 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
| Rate | 3.62% |
|---|
The 2025 property tax bill for 906 Elm St was $11,887 with a homeowner's exemption.
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Sugar Grove Township |
| Municipality | Sugar Grove Village |
| Unified School District | Kaneland Community Unit School District 302 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $11,887.00 | $156,213 (+7.83%) Land $40,462 Building $115,751 | $468,827 (+7.83%) Land $121,435 Building $347,392 |
| 2024 | $144,870 Land $37,524 Building $107,346 | $434,784 Land $112,617 Building $322,167 | |
| 2022 | $10,805.00 (+3.73%) Homeowner's exemption | $120,620 (+5.08%) Land $31,243 Building $89,377 | $361,860 (+5.08%) Land $93,729 Building $268,131 |
| 2021 | $10,416.00 Homeowner's exemption | $114,789 Land $29,733 Building $85,056 | $344,367 Land $89,199 Building $255,168 |
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.
FEMA maps place 906 Elm St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.
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 6 (20% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (1979) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 1979 · 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 risk around 906 Elm St 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 98% of the US · lower than 86% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SUGAR GROVE serves 11,243 people · EPA ID IL0890850 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2022 |
| Lead | Under 1 ppb (2026–2028) action level 15 ppb |
| Copper | 1.7 mg/L (2015–2017) action level 1.3 mg/L |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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.
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 |
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Watch TV Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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