992 Sears Cir, Elburn, IL 60119 Property Records

Kane County property record for 992 Sears Cir, Elburn, IL 60119

Property Summary

Property Type	Single Family Home
Owner	Company Name on Record
Last Sale	$246,000 (Jun 2019)
Tax Bill	$8,755 (2025)
Deeds & Mortgages	Jun 2021 Line of Credit Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-08-231-021`

Property Details

APN / Parcel Number

Primary APN	`11-08-231-021`

Location & Zoning

Street Address	992 SEARS CIR
City	ELBURN
State	IL
Zip	60119-7859
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLACKBERRY CREEK SUB UNIT 13 PT LT 244 DESC IN DOC 2019K025629
Legal Subdivision	BLACKBERRY CREEK SUB
Legal Block	2
Legal Lot Number	244
Legal Unit	13
Jurisdiction	KANE IL
Township / Civil Division	BLACKBERRY
Census Block Group	2
Census Block	2038
Census Tract	854507

Owner

Source: Kane County records, as of July 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	992 SEARS CIR, ELBURN, IL 60119-7859
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2021	Deed of Trust, Mortgage · Line of Credit ST CHARLES BANK & TRUST CO NA
Jun 19, 2019	Warranty Deed, Transfer · Conventional Mortgage NVR MORTGAGE FINANCE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 19, 2019 · Amount on Record
Deed Sale	Jun 19, 2019 · Amount on Record
Deed Document Number	201925629
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	992 SEARS CIR, ELBURN, IL 60119-7859
Transaction Type	Mortgage
Record Updated	Jul 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000043711
Date	Jun 8, 2021
Instrument	2021K043711

Lender

Name	ST CHARLES BANK & TRUST CO NA
Type	Bank
Address	SAINT CHARLES, IL 60174

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Change Frequency	Monthly
Min Rate At Change	3.99%
Max Rate	20%

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 19, 2019
Property Address	992 SEARS CIR, ELBURN, IL 60119-7859
Document Number	0000025629
Map Reference	DOC 2006K137785
Instrument Date	Jun 18, 2019
Instrument	2019K025629
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$246.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	992 SEARS CIR, ELBURN, IL 60119-7859

Mortgage

Document Number	0000025630
Date	Jun 19, 2019
Instrument	2019K025630

Lender

Name	NVR MORTGAGE FINANCE INC
Type	Mortgage Company

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	3.75%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 2025

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	$8,755.00 (+21.9%) Homeowner's exemption
2024		$107,589 (+29.89%) Land $8,581 Building $99,008	$322,896 (+29.94%) Land $25,753 Building $297,143
2022	$7,182.00 (+3.91%) Homeowner's exemption	$82,833 (+6.17%) Land $7,108 Building $75,725	$248,499 (+6.17%) Land $21,324 Building $227,175
2021	$6,912.00 Homeowner's exemption	$78,016 Land $6,803 Building $71,213	$234,048 Land $20,409 Building $213,639

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
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

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

Wildfire Risk	Low lower than 96% of the US · lower than 74% 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.

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

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

May also be available: Verizon.

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