1073 Lawrence Ave, Elgin, IL 60123 Property Records

Kane County property record for 1073 Lawrence Ave, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,118 sqft · built 1954
Lot Size	0.459 acres (20,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$190,000 (Aug 2021)
Tax Bill	$7,219 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-15-276-013`

Property Details

APN / Parcel Number

Primary APN	`06-15-276-013`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,118 sqft Living Area
Gross Area	2,236 sqft
1st Floor Area	1,118 sqft
Basement Area	1,118 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Ranch
Construction Type	Frame
Lot Area	20,000 sqft (0.459 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	1073 LAWRENCE AVE
City	ELGIN
State	IL
Zip	60123-3360
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CARBARYS 2ND ADDN LOT 3
Legal Subdivision	CARBARYS 2ND ADDN
Legal Block	2
Legal Lot Number	3
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2020
Census Tract	851102

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	2 Individual Names on Record
Mailing Address	1073 LAWRENCE AVE, ELGIN, IL 60123-3360
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2021 · Amount on Record
Deed Sale	Aug 6, 2021 · Amount on Record
Prior Sale	Sep 12, 2005 · Amount on Record
Deed Document Number	202160103
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 6, 2021
Property Address	1073 LAWRENCE AVE, ELGIN, IL 60123-3360
Document Number	0000060103
Instrument Date	Jul 27, 2021
Instrument	2021K060103
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$190.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1073 LAWRENCE AVE, 1073, ELGIN, IL 60123-3360

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1073 LAWRENCE AVE, ELGIN, IL 60123-3360

Mortgage

Document Number	0000060104
Date	Aug 6, 2021
Instrument	2021K060104

Lender

Name	MIDWEST COMMUNITY BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.26%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	Elgin Township
Municipality	Elgin City
Unified School District	School District U-46 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,219.00 (+15.86%) Homeowner's exemption	$102,627 (+8.57%) Land $34,295 Building $68,332	$308,004 (+8.57%) Land $102,926 Building $205,078
2024		$94,526 (+21.39%) Land $31,588 Building $62,938	$283,691 (+21.44%) Land $94,802 Building $188,890
2022	$6,231.00 (+4.56%) Homeowner's exemption	$77,867 (+6.96%) Land $26,021 Building $51,846	$233,601 (+6.96%) Land $78,063 Building $155,538
2021	$5,959.00 Homeowner's exemption	$72,800 Land $24,328 Building $48,472	$218,400 Land $72,984 Building $145,416

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

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.

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 574 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, Fixed Wireless in parts of the area	100 / 20