Kane County property record for 965 Carmen Rd, Sugar Grove, IL 60554
| Property Type | Single Family Home |
|---|---|
| Details | 2,593 sqft · built 2005 |
| Lot Size | 0.211 acres (9,188 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $534,000 (Apr 2026) |
| Tax Bill | $10,232 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Apr 2026 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-02-452-012 |
| Primary APN | 14-02-452-012 |
|---|
| Stories | 2 Stories |
|---|---|
| Building Area | 2,593 sqft Living Area |
| Gross Area | 4,703 sqft |
| Basement Area | 1,500 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Lot Area | 9,188 sqft (0.211 acres) |
| Garage Type | Attached |
| Garage Area | 610 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Cooling System | Central |
|---|
| Street Address | 965 CARMEN RD |
|---|---|
| City | SUGAR GROVE |
| State | IL |
| Zip | 60554-9822 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WALNUT WOODS UNIT 2 LOT 153 |
| Legal Subdivision | WALNUT WOODS |
| Legal Block | 5 |
| Legal Lot Number | 153 |
| Legal Unit | 2 |
| Jurisdiction | KANE IL |
| Township / Civil Division | SUGAR GROVE |
| Census Block Group | 5 |
| Census Block | 5026 |
| Census Tract | 854504 |
965 Carmen Rd is owned and occupied by two individuals who bought it in April 2026.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 965 CARMEN RD, SUGAR GROVE, IL 60554-9822 |
| 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 |
|---|---|
| Apr 30, 2026 | Deed of Trust, Mortgage · FHA Mortgage NEIGHBORHOOD LOANS |
| Apr 29, 2026 | Warranty Deed, Transfer · FHA Mortgage NEIGHBORHOOD LOANS |
| Apr 4, 2018 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC |
| Oct 2, 2019 | Loan Modification, Mortgage · Line of Credit WELLS FARGO BK |
| Apr 17, 2017 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 29, 2026 · Amount on File |
| Deed Sale | Apr 29, 2026 · Amount on File |
| Prior Sale | Apr 17, 2017 · Amount on File |
| Deed Document Number | 202617240 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Apr 30, 2026 |
| Property Address | 965 CARMEN RD, SUGAR GROVE, IL 60554-9822 |
| Document Number | 0000017510 |
| Instrument Date | Apr 23, 2026 |
| Instrument | 202617510 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2026 |
| Title Company | TITLE GROUP, INSPIRED TITLE GROUP |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety, 298 |
| Address | 150 COUNTRY CLUB DR, NORTHLAKE, IL 60164-2219 |
| Document Number | 0000017510, |
|---|---|
| Date | Apr 30, 2026 |
| Instrument | 202617510 |
| Name | NEIGHBORHOOD LOANS |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.63% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Apr 29, 2026 |
| Property Address | 965 CARMEN RD, SUGAR GROVE, IL 60554-9822 |
| Document Number | 0000017240 |
| Instrument Date | Apr 22, 2026 |
| Instrument | 202617240 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $80,901.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 965 CARMEN RD, SUGAR GROVE, IL 60554-9822 |
| Document Number | 0000017241, |
|---|---|
| Date | Apr 29, 2026 |
| Instrument | 202617241 |
| Name | NEIGHBORHOOD LOANS |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.63% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 965 CARMEN RD, SUGAR GROVE, IL 60554-9822 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000015182 |
|---|---|
| Date | Apr 4, 2018 |
| Instrument | 2018K015182 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | BRECKSVILLE, OH 44141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.5% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 965 CARMEN RD, SUGAR GROVE, IL 60554-9822 |
| Document Number | 0000053584 |
| Instrument Date | Oct 2, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 18, 2019 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 965 CARMEN RD SUGAR GROVE IL 605549822, SUGAR GROVE, IL 60554-9822 |
| Document Number | 0000053584 |
|---|---|
| Date | Nov 6, 2019 |
| Instrument | 53584 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Nov 5, 2059 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.12% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Apr 17, 2017 |
| Property Address | 965 CARMEN RD, SUGAR GROVE, IL 60554-9822 |
| Document Number | 0000018813 |
| Map Reference | DOC2004K029257 |
| Instrument Date | Mar 15, 2017 |
| Instrument | 2017K018813 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2022 |
| Title Company | BAIRD & WARNERS TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $275.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 2310 TALIESIN DR, AURORA, IL 60506-4422 |
| Investor | Possibly a Property Investor |
| Document Number | 0000018814 |
|---|---|
| Date | Apr 17, 2017 |
| Instrument | 2017K018814 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2047 |
The 2025 property tax bill for 965 Carmen Rd was $10,232, up 2.4% from the year before.
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 | $10,232.00 (+2.39%) Homeowner's exemption | $135,576 (+7.83%) Land $31,620 Building $103,956 | $406,891 (+7.83%) Land $94,898 Building $311,993 |
| 2024 | $9,993.00 | $125,731 Land $29,324 Building $96,407 | $377,344 Land $88,007 Building $289,337 |
| 2022 | $9,303.00 (+3.78%) Homeowner's exemption | $104,685 (+5.08%) Land $24,416 Building $80,269 | $314,055 (+5.08%) Land $73,248 Building $240,807 |
| 2021 | $8,964.00 Homeowner's exemption | $99,624 Land $23,236 Building $76,388 | $298,872 Land $69,708 Building $229,164 |
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 965 Carmen Rd 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 |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 1 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 risk around 965 Carmen Rd 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 156 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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