1305 N Lyle Ave, Elgin, IL 60123 Property Records

Kane County property record for 1305 N Lyle Ave, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,036 sqft · built 1983
Lot Size	0.239 acres (10,394 sqft)
Owner	2 Individual Names on File
Last Sale	$150,000 (Jan 2011)
Tax Bill	$4,944 (2025)
Deeds & Mortgages	Jan 2022 Reverse Mortgage Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-04-426-013`

Property Details

APN / Parcel Number

Primary APN	`06-04-426-013`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,036 sqft Living Area
Gross Area	3,054 sqft
Basement Area	1,018 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	10,394 sqft (0.239 acres)
Lot Width	118 ft Width
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1305 N LYLE AVE
City	ELGIN
State	IL
Zip	60123-1217
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CENTURY OAKS WEST UNIT 5 LOT 283
Legal Subdivision	CENTURY OAKS WEST
Legal Block	1
Legal Lot Number	283
Legal Unit	5
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1018
Census Tract	851910

Owner

1305 N Lyle Ave is owned and occupied by two individuals who bought it in January 2011.

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

Owner of Record	2 Individual Names on File
Mailing Address	1305 N LYLE AVE, ELGIN, IL 60123-1217
Occupancy	Owner Occupied
Owner Type	Individual

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
Jan 18, 2022	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISOR GROUP
Jan 25, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 13, 2011 · Amount on File
Deed Sale	Jan 13, 2011 · Amount on File
Deed Document Number	20113799
Prior Transfer Date	Jul 2, 1996
Prior Transfer Doc	0000047745
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1305 N LYLE AVE, ELGIN, IL 60123-1217
Transaction Type	Mortgage
Record Updated	Jan 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1305 N LYLE AVE, ELGIN, IL 60123-1217

Mortgage

Document Number	0000002995
Date	Jan 18, 2022
Instrument	2022K002995

Lender

Name	AMERICAN ADVISOR GROUP
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Jan 25, 2021
Property Address	1305 N LYLE AVE, ELGIN, IL 60123-1217
Document Number	0000005953
Instrument Date	Nov 17, 2020
Instrument	2021K005953
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	RAVENSWOOD TITLE COMPANY LLC

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	Tenants by the Entirety
Address	1305 N LYLE AVE, ELGIN, IL 60123-1217

Mortgage

Document Number	0000005954
Date	Jan 25, 2021
Instrument	2021K005954

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.75%

Tax Assessment & Valuation

The 2025 property tax bill for 1305 N Lyle Ave was $4,944 with exemptions applied.

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	$4,944.00 Homeowner's exemption Senior Citizen's exemption	$119,324 (+8.57%) Land $27,754 Building $91,570	$358,115 (+8.57%) Land $83,295 Building $274,820
2024		$109,905 Land $25,563 Building $84,342	$329,847 Land $76,720 Building $253,127
2022	$6,052.00 (-2.81%) Homeowner's exemption	$90,536 (+6.96%) Land $21,058 Building $69,478	$271,608 (+6.96%) Land $63,174 Building $208,434
2021	$6,227.00 Homeowner's exemption	$84,645 Land $19,688 Building $64,957	$253,935 Land $59,064 Building $194,871

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

Flood

FEMA maps place 1305 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

The area around 1305 N Lyle Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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 241 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Fox Valley Internet.

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