Kane County property record for 987 South St, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 882 sqft · built 1930 |
| Lot Size | 0.2 acres (8,719 sqft) |
| Owner | Individual Name on File |
| Last Sale | $215,000 (May 2026) |
| Tax Bill | $4,767 (2025) |
| Deeds & Mortgages | May 2026 Sale Jan 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-22-281-002 |
| Primary APN | 06-22-281-002 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 5 Stories |
| Building Area | 882 sqft Living Area |
| Gross Area | 1,374 sqft |
| Basement Area | 492 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Construction Type | Frame |
| Lot Area | 8,719 sqft (0.2 acres) |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|
| Street Address | 987 SOUTH ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-7333 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUNSET PARK ADDN PLAT OF RESUB LOT 1 BLOCK 7 LOT 2 |
| Legal Subdivision | SUNSET PARK ADDN |
| Legal Block | 7 |
| Legal Lot Number | 1,2 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 854900 |
987 South St is owned by an individual who bought it in May 2026.
Source: Kane County records, as of September 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 34W085 CENTER DR, SOUTH ELGIN, IL 60177-2514 |
| Owner Type | Individual |
| Vesting | Tenants in Common |
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 |
|---|---|
| May 22, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| Jan 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Jul 18, 2017 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 22, 2026 · Amount on File |
| Deed Sale | May 22, 2026 · Amount on File |
| Prior Sale | Jul 18, 2017 · Amount on File |
| Deed Document Number | 202621257 |
| Prior Transfer Date | Jul 8, 2013 |
| Prior Transfer Doc | 0000080541 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | May 22, 2026 |
| Property Address | 987 SOUTH ST, ELGIN, IL 60123-7333 |
| Document Number | 0000021257 |
| Instrument Date | May 20, 2026 |
| Instrument | 202621257 |
| Transaction Type | Transfer |
| Record Updated | May 29, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Tax | $32,572.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 34W085 CENTER DR, SOUTH ELGIN, IL 60177-2514 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 987 SOUTH ST, ELGIN, IL 60123-7333 |
| Transaction Type | Mortgage |
| Record Updated | Jun 21, 2021 |
| Title Company | CITYWIDE TITLE CORPORATION |
| Name | Verified Name |
|---|
| Document Number | 0000004586 |
|---|---|
| Date | Jan 24, 2020 |
| Instrument | 2020K004586 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jul 18, 2017 |
| Property Address | 987 SOUTH ST, ELGIN, IL 60123-7333 |
| Document Number | 0000037026 |
| Instrument Date | Jun 27, 2017 |
| Instrument | 2017K037026 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | CHICAGO TITLE INSURANCE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $129.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 495 GREGORY AVE APT 3B, 3B, GLENDALE HEIGHTS, IL 60139-2386 |
| Document Number | 0000037027 |
|---|---|
| Date | Jul 18, 2017 |
| Instrument | 2017K037027 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2047 |
The 2025 property tax bill for 987 South St was $4,767, up 4.7% from the year before.
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,767.00 (+4.65%) Homeowner's exemption | $70,488 (+8.57%) Land $20,899 Building $49,589 | $211,549 (+8.57%) Land $62,722 Building $148,827 |
| 2024 | $4,555.00 | $64,924 Land $19,249 Building $45,675 | $194,850 Land $57,770 Building $137,080 |
| 2022 | $4,117.00 (+4.89%) Homeowner's exemption | $53,483 (+6.96%) Land $15,857 Building $37,626 | $160,449 (+6.96%) Land $47,571 Building $112,878 |
| 2021 | $3,925.00 Homeowner's exemption | $50,003 Land $14,825 Building $35,178 | $150,009 Land $44,475 Building $105,534 |
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 987 South St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 8, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 987 South St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ELGIN serves 114,797 people · EPA ID IL0894380 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | 19 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 8 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.
Source: FCC Broadband Data Collection, based on 626 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Astound Broadband Cable | 1,500 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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