985 Mark St, South Elgin, IL 60177 Property Records

Kane County property record for 985 Mark St, South Elgin, IL 60177

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,679 sqft · built 1959
Lot Size	0.205 acres (8,910 sqft)
Owner	Individual Name on Record
Last Sale	$183,500 (Dec 2018)
Tax Bill	$6,840 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Sep 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-02-203-004`

Property Details

APN / Parcel Number

Primary APN	`09-02-203-004`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,679 sqft Living Area
1st Floor Area	1,679 sqft
Basement Area	999 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1969
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,910 sqft (0.205 acres)
Garage Type	Detached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	985 MARK ST
City	SOUTH ELGIN
State	IL
Zip	60177-2510
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAP AREA: 002-SOUTH ELGIN
Legal Subdivision	HILLCREST MANOR
Legal Block	1
Legal Lot Number	1
Jurisdiction	KANE IL
Township / Civil Division	ST. CHARLES
Census Block Group	1
Census Block	1002
Census Tract	852001

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	985 MARK ST, SOUTH ELGIN, IL 60177-2510
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Sep 6, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Dec 17, 2018	Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 17, 2018 · Amount on Record
Deed Sale	Dec 17, 2018 · Amount on Record
Prior Sale	Feb 17, 1999
Deed Document Number	201860225
Prior Transfer Date	May 21, 2015
Prior Transfer Doc	0000026806
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	985 MARK ST, SOUTH ELGIN, IL 60177-2510
Transaction Type	Mortgage
Record Updated	Sep 15, 2022
Title Company	WHEATLAND TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000067328
Date	Sep 2, 2021
Instrument	2021K067328

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

Interest

Rate	3.12%

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	985 MARK ST, SOUTH ELGIN, IL 60177-2510
Transaction Type	Mortgage
Record Updated	Sep 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	985 MARK ST, SOUTH ELGIN, IL 60177-2510

Mortgage

Document Number	0000044403
Date	Sep 6, 2022
Instrument	2022K044403

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Aug 15, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	Dec 17, 2018
Property Address	985 MARK ST, SOUTH ELGIN, IL 60177-2510
Document Number	0000060225
Instrument Date	Nov 30, 2018
Instrument	2018K060225
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE INS CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$183.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	985 MARK ST, SOUTH ELGIN, IL 60177-2510

Mortgage

Document Number	0000060226
Date	Dec 17, 2018
Instrument	2018K060226

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

Interest

Rate Type	Fixed Rate
Rate	5.87%

Mortgage

Document Number	0000060227
Date	Dec 17, 2018
Instrument	2018K060227

Lender

Name	ILLINOIS HOUSING DEVELOPMENT AUTHORITY
Type	Government Agency
Address	CHICAGO, IL 60601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	St. Charles Township
Municipality	South Elgin Village
Unified School District	St. Charles Community Unit School District 303 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,840.00 (+16.7%) Homeowner's exemption	$97,955 (+8.53%) Land $30,312 Building $67,643	$293,983 (+8.53%) Land $90,972 Building $203,010
2024		$90,257 (+23.48%) Land $27,930 Building $62,327	$270,879 (+23.53%) Land $83,824 Building $187,056
2022	$5,861.00 (+4.34%) Homeowner's exemption	$73,093 (+4.91%) Land $25,087 Building $48,006	$219,279 (+4.91%) Land $75,261 Building $144,018
2021	$5,617.00 Homeowner's exemption	$69,672 Land $23,913 Building $45,759	$209,016 Land $71,739 Building $137,277

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 16 policies
Nearby Flood Policies	16 in force
Nearby Flood Claims	30 (1979–2020)
Claims Outside the SFHA	2 of 30
Most Recent Claim	May 2020 · river or lake flooding
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 5 claims Severe Storms And Flooding, Aug 2007 · 12 claims

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	Not rated no burnable land within 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 130 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
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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