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  5. Carmen Rd

985 Carmen Rd, Sugar Grove, IL 60554 Property Records

Kane County property record for 985 Carmen Rd, Sugar Grove, IL 60554

Property Summary

Property TypeSingle Family Home
Details2,182 sqft · built 2005
Lot Size0.221 acres (9,621 sqft)
Owner2 Individual Names on Record
Last Sale$344,000 (Jan 2006)
Tax Bill$9,910 (2025)
Deeds & MortgagesMar 2020 Mortgage
Oct 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN14-02-452-007

Property Details

APN / Parcel Number

Primary APN14-02-452-007

Interior

Stories1 Story
Building Area2,182 sqft Living Area
Gross Area5,056 sqft
1st Floor Area2,182 sqft
Basement Area2,182 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2005
Lot Area9,621 sqft (0.221 acres)
Garage TypeAttached
Garage Area692 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address985 CARMEN RD
CitySUGAR GROVE
StateIL
Zip60554-9822
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionWALNUT WOODS UNIT 2 LOT 158
Legal SubdivisionWALNUT WOODS
Legal Block5
Legal Lot Number158
Legal Unit2
JurisdictionKANE IL
Township / Civil DivisionSUGAR GROVE
Census Block Group5
Census Block5026
Census Tract854504

Owner

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

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

Owner of Record2 Individual Names on Record
Mailing Address985 CARMEN RD, SUGAR GROVE, IL 60554-9822
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 17, 2020Deed of Trust, Mortgage · Conventional Mortgage
HOMELAND MORTGAGE CO
Oct 22, 2020Deed of Trust, Mortgage · Conventional Mortgage
HOMELAND MORTGAGE CO

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 19, 2006 · Amount on Record
Deed SaleJan 19, 2006 · Amount on Record
Deed Document Number20067225
Last Transfer DateOct 22, 2012
Transfer Doc0000078186
Record UpdatedOct 29, 2026

March 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address985 CARMEN RD, SUGAR GROVE, IL 60554-9822
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000013709
DateMar 17, 2020
Instrument2020K013709
Lender
NameHOMELAND MORTGAGE CO
TypeMortgage Company
AddressWESTMONT, IL 60559
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 1, 2050
Interest
Rate TypeFixed Rate
Rate3.5%

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address985 CARMEN RD, SUGAR GROVE, IL 60554-9822
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyCHICAGO TITLE CO

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000063526
DateOct 22, 2020
Instrument2020K063526
Lender
NameHOMELAND MORTGAGE CO
TypeMortgage Company
AddressWESTMONT, IL 60559
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2050
Interest
Rate TypeFixed Rate
Rate3%

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionSugar Grove Township
MunicipalitySugar Grove Village
Unified School DistrictKaneland Community Unit School District 302 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$9,910.00 (+8.64%) Homeowner's exemption Senior Citizen's exemption$139,565 (+7.83%) Land $31,620 Building $107,945$418,863 (+7.83%) Land $94,898 Building $323,965
2024$129,431 (+20.1%) Land $29,324 Building $100,107$388,448 (+20.15%) Land $88,007 Building $300,441
2022$9,122.00 (+4.06%) Homeowner's exemption$107,765 (+5.08%) Land $24,416 Building $83,349$323,295 (+5.08%) Land $73,248 Building $250,047
2021$8,766.00 Homeowner's exemption$102,556 Land $23,236 Building $79,320$307,668 Land $69,708 Building $237,960

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

Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies1 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 97% of the US · lower than 79% of Illinois
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemSUGAR GROVE
serves 11,243 people · EPA ID IL0890850
Water SourceGroundwater
Last State InspectionAug 2022
LeadUnder 1 ppb (2026–2028)
action level 15 ppb
Copper1.7 mg/L (2015–2017)
action level 1.3 mg/L

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 12 locations within half a mile, as of December 31, 2025

ProviderMax 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

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