1075 Lawrence Ave, Elgin, IL 60123 Property Records

Kane County property record for 1075 Lawrence Ave, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,758 sqft · built 1955
Lot Size	0.459 acres (20,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$136,000 (Jun 2014)
Tax Bill	$8,210 (2025)
Deeds & Mortgages	Jun 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-15-276-012`

Property Details

APN / Parcel Number

Primary APN	`06-15-276-012`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,758 sqft Living Area
Gross Area	3,516 sqft
1st Floor Area	1,758 sqft
Basement Area	1,758 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Exterior Material	Brick
Lot Area	20,000 sqft (0.459 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1075 LAWRENCE AVE
City	ELGIN
State	IL
Zip	60123-3360
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CARBARYS 2ND ADDN LOT 2
Legal Subdivision	CARBARYS 2ND ADDN
Legal Block	2
Legal Lot Number	2
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	1075 LAWRENCE AVE, ELGIN, IL 60123-3360
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2014 · Amount on Record
Deed Sale	Jun 11, 2014 · Amount on Record
Prior Sale	Sep 19, 2013
Deed Document Number	201427742
Last Transfer Date	Jun 9, 2023
Transfer Doc	0000019785
Record Updated	Oct 29, 2026

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Jun 16, 2023
Property Address	1075 LAWRENCE AVE, ELGIN, IL 60123-3360
Document Number	0000019785
Instrument Date	Jun 9, 2023
Instrument	2023K019785
Transaction Type	Transfer
Record Updated	Jun 29, 2023
Title Company	SERVICELINK

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1075 LAWRENCE AVE, ELGIN, IL 60123-3360

Mortgage

Document Number	0000019786
Date	Jun 16, 2023
Instrument	2023K019786

Lender

Name	LOW VA RATES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.87%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2028
Change Frequency	6 Months
Min Rate At Change	4.87%
Max Rate At Change	8.87%
Index	Other
Margin	3
Max Rate	11.8%

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	$8,210.00 (+91.69%)	$123,627 (+8.57%) Land $34,295 Building $89,332	$371,029 (+8.57%) Land $102,926 Building $268,103
2024		$113,869 (+21.39%) Land $31,588 Building $82,281	$341,744 (+21.44%) Land $94,802 Building $246,942
2022	$4,283.00 (-2.79%) Homeowner's exemption	$93,802 (+6.96%) Land $26,021 Building $67,781	$281,406 (+6.96%) Land $78,063 Building $203,343
2021	$4,406.00 Homeowner's exemption	$87,698 Land $24,328 Building $63,370	$263,094 Land $72,984 Building $190,110

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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