109 S Jane Dr, Elgin, IL 60123 Property Records

Kane County property record for 109 S Jane Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,978 sqft · built 1963
Lot Size	0.235 acres (10,250 sqft)
Owner	2 Individual Names on Record
Tax Bill	$7,008 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Nov 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-15-376-009`

Property Details

APN / Parcel Number

Primary APN	`06-15-376-009`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,978 sqft Living Area
Gross Area	2,576 sqft
1st Floor Area	1,978 sqft
Basement Area	598 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Construction Type	Frame
Lot Area	10,250 sqft (0.235 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	109 S JANE DR
City	ELGIN
State	IL
Zip	60123-5909
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COUNTRY KNOLLS UNIT 3 LOT 93
Legal Subdivision	COUNTRY KNOLLS
Legal Block	1
Legal Lot Number	93
Legal Unit	3
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1000
Census Tract	851904

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	109 S JANE DR, ELGIN, IL 60123-5909
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage EVERENCE FCU
Nov 20, 2017	Deed of Trust, Mortgage · Conventional Mortgage OLD SECOND NATIONAL BANK
Apr 19, 2018	Deed of Trust, Mortgage · Conventional Mortgage CORPORATE AMERICA FAM CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 13, 2013
Deed Sale	Feb 13, 2013
Prior Sale	Sep 11, 2012 · Amount on Record
Deed Document Number	201312185
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	109 S JANE DR, ELGIN, IL 60123-5909
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000086585
Date	Nov 17, 2021
Instrument	2021K086585

Lender

Name	EVERENCE FCU
Type	Credit Union
Address	LANCASTER, PA 17602

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 15, 2051

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	109 S JANE DR, ELGIN, IL 60123-5909
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FOX TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000060590
Date	Nov 20, 2017
Instrument	2017K060590

Lender

Name	OLD SECOND NATIONAL BANK
Type	Bank
Address	AURORA, IL 60506

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2037

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	109 S JANE DR, ELGIN, IL 60123-5909
Document Number	0000020962
Instrument Date	Apr 19, 2018
Transaction Type	Mortgage
Record Updated	Jan 12, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	109 S JANE DR ELGIN IL 601235909, ELGIN, IL 60123-5909

Mortgage

Document Number	0000020962
Date	May 8, 2018
Instrument	20962

Lender

Name	CORPORATE AMERICA FAM CU
Type	Credit Union
Address	ELGIN, IL 60123

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 7, 2028

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	$7,008.00 (+15.83%) Homeowner's exemption	$99,865 (+8.57%) Land $26,754 Building $73,111	$299,715 (+8.57%) Land $80,294 Building $219,421
2024		$91,982 (+21.39%) Land $24,642 Building $67,340	$276,056 (+21.44%) Land $73,956 Building $202,101
2022	$6,050.00 (+4.6%) Homeowner's exemption	$75,772 (+6.96%) Land $20,299 Building $55,473	$227,316 (+6.96%) Land $60,897 Building $166,419
2021	$5,784.00 Homeowner's exemption	$70,841 Land $18,978 Building $51,863	$212,523 Land $56,934 Building $155,589

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 Claims	1 (1994)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 1994 · rainfall accumulation

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Fox Valley Internet.

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