1285 N Lyle Ave, Elgin, IL 60123 Property Records

Kane County property record for 1285 N Lyle Ave, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,816 sqft · built 1978
Lot Size	0.198 acres (8,625 sqft)
Owner	Individual Name on File
Last Sale	$430,000 (Jun 2026)
Tax Bill	$7,815 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Jun 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-04-427-009`

Property Details

APN / Parcel Number

Primary APN	`06-04-427-009`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,816 sqft Living Area
Gross Area	2,724 sqft
Basement Area	908 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Construction Type	Frame
Lot Area	8,625 sqft (0.198 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1285 N LYLE AVE
City	ELGIN
State	IL
Zip	60123-1252
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CENTURY OAKS WEST UNIT 6 LOT 309
Legal Subdivision	CENTURY OAKS WEST
Legal Block	1
Legal Lot Number	309
Legal Unit	6
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1019
Census Tract	851910

Owner

1285 N Lyle Ave is owned by an individual who bought it in June 2026.

Source: Kane County records, as of July 23, 2026

Owner of Record	Individual Name on File
Mailing Address	2245 AURORA DR, 6, PINGREE GROVE, IL 60140-6437
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2023	Deed of Trust, Mortgage · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE
Jun 12, 2026	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE, INC
Nov 1, 2022	Warranty Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 12, 2026 · Amount on File
Deed Sale	Jun 12, 2026 · Amount on File
Prior Sale	Nov 1, 2022 · Amount on File
Deed Document Number	202624583
Prior Transfer Date	Dec 6, 1997
Prior Transfer Doc	0000009445
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1285 N LYLE AVE, ELGIN, IL 60123-1252
Transaction Type	Mortgage
Record Updated	Jun 23, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1285 N LYLE AVE, ELGIN, IL 60123-1252

Mortgage

Document Number	0000043921
Date	Dec 18, 2023
Instrument	2023K043921

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	JACKSONVILLE, FL 32256

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	480 Months
Due	Dec 1, 2063

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 12, 2026
Property Address	1285 N LYLE AVE, ELGIN, IL 60123-1252
Document Number	0000024583
Instrument Date	May 19, 2026
Instrument	202624583
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$65,145.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2245 AURORA DR, 6, PINGREE GROVE, IL 60140-6437

Mortgage

Document Number	0000024584,
Date	Jun 12, 2026
Instrument	202624584

Lender

Name	GUARANTEED RATE, INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.6%
Initial Type	Fixed Rate
Max Rate	-1%

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Nov 1, 2022
Property Address	1285 N LYLE AVE, ELGIN, IL 60123-1252
Document Number	0000053082
Instrument Date	Oct 21, 2022
Instrument	2022K053082
Transaction Type	Transfer
Record Updated	Nov 7, 2022
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1285 N LYLE AVE, ELGIN, IL 60123-1252

Mortgage

Document Number	0000053083
Date	Nov 1, 2022
Instrument	2022K053083

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 1285 N Lyle Ave was $7,815, up 4.2% from the year before.

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	$7,815.00 (+4.2%) Homeowner's exemption	$110,440 (+8.57%) Land $27,754 Building $82,686	$331,453 (+8.57%) Land $83,295 Building $248,157
2024	$7,500.00	$101,722 Land $25,563 Building $76,159	$305,288 Land $76,720 Building $228,568
2022	$6,745.00 (+4.51%) Homeowner's exemption	$83,795 (+6.96%) Land $21,058 Building $62,737	$251,385 (+6.96%) Land $63,174 Building $188,211
2021	$6,454.00 Homeowner's exemption	$78,343 Land $19,688 Building $58,655	$235,029 Land $59,064 Building $175,965

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

FEMA maps place 1285 N Lyle Ave 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.

Wildfire

Wildfire risk around 1285 N Lyle Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% 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	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 206 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Fox Valley Internet, T-Mobile.

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