184 S Lyle Ave, Elgin, IL 60123 Property Records

Kane County property record for 184 S Lyle Ave, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,512 sqft · built 1980
Lot Size	0.208 acres (9,060 sqft)
Owner	Individual Name on File
Last Sale	$195,000 (Sep 2018)
Tax Bill	$5,790 (2025)
Deeds & Mortgages	Feb 2017 Mortgage Dec 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-15-351-062`

Property Details

APN / Parcel Number

Primary APN	`06-15-351-062`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,512 sqft Living Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Colonial
Construction Type	Frame
Foundation Type	Raised
Lot Area	9,060 sqft (0.208 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	184 S LYLE AVE
City	ELGIN
State	IL
Zip	60123-5918
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WALTER G MCINTOSH COS FOX RIVER GARDENS LOTS 46 & 47 BLOCK 1
Legal Subdivision	WALTER G MCINTOSH COS FOX RIVER GARDENS
Legal Block	1
Legal Lot Number	46,47
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3037
Census Tract	851904

Owner

184 S Lyle Ave is owned and occupied by an individual who bought it in September 2018.

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

Owner of Record	Individual Name on File
Mailing Address	184 S LYLE AVE, ELGIN, IL 60123-5918
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
Feb 22, 2017	Deed of Trust, Mortgage · FHA Mortgage PACIFIC UNION FINANCIAL LLC
Dec 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage WINTRUST MORTGAGE
Nov 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Sep 7, 2018	Warranty Deed, Transfer · Conventional Mortgage WINTRUST MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 7, 2018 · Amount on File
Deed Sale	Sep 7, 2018 · Amount on File
Prior Sale	Dec 12, 2012
Deed Document Number	201844062
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	184 S LYLE AVE, ELGIN, IL 60123-5918
Transaction Type	Mortgage
Record Updated	May 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009767
Date	Feb 22, 2017
Instrument	2017K009767

Lender

Name	PACIFIC UNION FINANCIAL LLC
Type	Lending Institution
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	352 Months
Due	Jun 1, 2046

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	184 S LYLE AVE, ELGIN, IL 60123-5918
Transaction Type	Mortgage
Record Updated	May 26, 2022
Title Company	OLD REPUBLIC NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000060499
Date	Dec 13, 2019
Instrument	2019K060499

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	348 Months
Due	Dec 1, 2048

Interest

Rate Type	Fixed Rate
Rate	3.75%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	184 S LYLE AVE, ELGIN, IL 60123-5918
Transaction Type	Mortgage
Record Updated	May 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000086791
Date	Nov 18, 2021
Instrument	2021K086791

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	169 Months
Due	Dec 1, 2035

Interest

Rate Type	Fixed Rate
Rate	2.5%

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 7, 2018
Property Address	184 S LYLE AVE, ELGIN, IL 60123-5918
Document Number	0000044062
Map Reference	DOC336425
Instrument Date	Aug 28, 2018
Instrument	2018K044062
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$195.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	184 S LYLE AVE, ELGIN, IL 60123-5918

Mortgage

Document Number	0000044063
Date	Sep 7, 2018
Instrument	2018K044063

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2048

Interest

Rate Type	Fixed Rate
Rate	4.62%

Tax Assessment & Valuation

The 2025 property tax bill for 184 S Lyle Ave was $5,790 with a homeowner's exemption.

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	$5,790.00 Homeowner's exemption	$84,104 (+8.57%) Land $18,505 Building $65,599	$252,413 (+8.57%) Land $55,537 Building $196,876
2024		$77,465 Land $17,044 Building $60,421	$232,488 Land $51,152 Building $181,336
2022	$4,998.00 (+4.71%) Homeowner's exemption	$63,813 (+6.96%) Land $14,040 Building $49,773	$191,439 (+6.96%) Land $42,120 Building $149,319
2021	$4,773.00 Homeowner's exemption	$59,660 Land $13,126 Building $46,534	$178,980 Land $39,378 Building $139,602

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 184 S Lyle Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

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 Policies	1 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2020 · 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

Wildfire risk around 184 S 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 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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