966 Citizen Ave, Elburn, IL 60119 Property Records

Kane County property record for 966 Citizen Ave, Elburn, IL 60119

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,403 sqft · built 2005
Lot Size	0.225 acres (9,813 sqft)
Owner	2 Individual Names on File
Last Sale	$265,000 (Nov 2015)
Tax Bill	$10,757 (2025)
Deeds & Mortgages	Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-08-281-014`

Property Details

APN / Parcel Number

Primary APN	`11-08-281-014`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,403 sqft Living Area
Basement Area	1,214 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Metal
Lot Area	9,813 sqft (0.225 acres)
Garage Area	531 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	966 CITIZEN AVE
City	ELBURN
State	IL
Zip	60119-7810
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLACKBERRY CREEK SUB UNIT NO 5 LOT 557
Legal Subdivision	BLACKBERRY CREEK SUB
Legal Block	2
Legal Lot Number	557
Legal Unit	5
Jurisdiction	KANE IL
Township / Civil Division	BLACKBERRY
Census Block Group	2
Census Block	2061
Census Tract	854507

Owner

966 Citizen Ave is owned and occupied by two individuals who bought it in November 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	966 CITIZEN AVE, ELBURN, IL 60119-7810
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 6, 2015 · Amount on File
Deed Sale	Nov 6, 2015 · Amount on File
Prior Sale	Jun 29, 2011 · Amount on File
Deed Document Number	201560288
Prior Transfer Date	Jul 29, 2011
Prior Transfer Doc	0000048449
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	966 CITIZEN AVE, ELBURN, IL 60119-7810
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PLYMOUTH TITLE GUARANTY CORP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010399
Date	Feb 27, 2020
Instrument	2020K010399

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.62%

Tax Assessment & Valuation

The 2025 property tax bill for 966 Citizen Ave was $10,757 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	$10,757.00 Homeowner's exemption	$140,681 (+8.89%) Land $18,690 Building $121,991	$422,212 (+8.89%) Land $56,092 Building $366,119
2024		$129,195 Land $17,164 Building $112,031	$387,740 Land $51,513 Building $336,227
2022	$10,525.00 (+3.78%) Homeowner's exemption	$117,095 (+4.87%) Land $14,217 Building $102,878	$351,285 (+4.87%) Land $42,651 Building $308,634
2021	$10,142.00 Homeowner's exemption	$111,660 Land $13,607 Building $98,053	$334,980 Land $40,821 Building $294,159

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 966 Citizen 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 966 Citizen 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 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 295 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
Watch TV Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20