19 White Oak Ln, Elgin, IL 60123 Property Records

Kane County property record for 19 White Oak Ln, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,297 sqft · built 1987
Lot Size	0.53 acres (2,324 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (Nov 2024)
Tax Bill	$6,302 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Dec 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-04-400-060`

Property Details

APN / Parcel Number

Primary APN	`06-04-400-060`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,297 sqft Living Area
Gross Area	2,234 sqft
1st Floor Area	1,297 sqft
Basement Area	937 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Construction Type	Frame
Lot Area	2,324 sqft (0.53 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	19 WHITE OAK LN
City	ELGIN
State	IL
Zip	60123-2200
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING OAKS SUB EAST 35.76 FT OF LOT 5
Legal Subdivision	SPRING OAKS SUB
Legal Block	1
Legal Lot Number	5
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1006
Census Tract	851910

Owner

19 White Oak Ln is owned by two individuals who bought it in November 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	889 JEFFERSON AVE, D, ELGIN, IL 60120-4069
Owner Type	Individual
Vesting	Tenants in Common

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
Jul 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage HOMESTEAD FUNDING CORPORATION
Dec 5, 2022	Intrafamily Transfer, Transfer ATTORNEY
Apr 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOMESIDE FINANCIAL LLC
Jun 14, 2018	Trustee's Deed, Foreclosure · Conventional Mortgage PERL MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 26, 2024 · Amount on File
Deed Sale	Nov 26, 2024 · Amount on File
Prior Sale	Jun 14, 2018 · Amount on File
Deed Document Number	202443915
Prior Transfer Date	Nov 29, 2022
Prior Transfer Doc	0000057462
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	Jul 1, 2026
Property Address	19 WHITE OAK LN, ELGIN, IL 60123-2200
Document Number	0000027442
Instrument Date	Jun 8, 2026
Instrument	202627442
Transaction Type	Mortgage
Record Updated	Jul 10, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 WHITE OAK LN, ELGIN, IL 60123-2200

Mortgage

Document Number	0000027442,
Date	Jul 1, 2026
Instrument	202627442

Lender

Name	HOMESTEAD FUNDING CORPORATION

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.13%
Initial Type	Fixed Rate
Max Rate	-1%

December 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Dec 5, 2022
Property Address	19 WHITE OAK LN, ELGIN, IL 60123-2200
Document Number	0000057462
Instrument Date	Nov 29, 2022
Instrument	2022K057462
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

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
Address	19 WHITE OAK LN, ELGIN, IL 60123-2200

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	19 WHITE OAK LN, ELGIN, IL 60123-2200
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021828
Date	Apr 30, 2020
Instrument	2020K021828

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21044

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.5%

June 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	KANE IL
Recording Date	Jun 14, 2018
Property Address	19 WHITE OAK LN, ELGIN, IL 60123-2200
Document Number	0000027949
Instrument Date	Jun 8, 2018
Instrument	2018K027949
Transaction Type	Foreclosure
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	$148.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2901 SW 41ST ST APT 1211, 1211, OCALA, FL 34474-4452

Mortgage

Document Number	0000027952
Date	Jun 14, 2018
Instrument	2018K027952

Lender

Name	PERL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

Interest

Rate	5%

Tax Assessment & Valuation

The 2025 property tax bill for 19 White Oak Ln was $6,302.

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	$6,302.00	$90,609 (+8.57%) Land $31,747 Building $58,862	$271,936 (+8.57%) Land $95,279 Building $176,657
2024		$83,457 Land $29,241 Building $54,216	$250,471 Land $87,758 Building $162,713
2022	$5,007.00 (+5.34%) Homeowner's exemption	$68,749 (+6.96%) Land $24,088 Building $44,661	$206,247 (+6.96%) Land $72,264 Building $133,983
2021	$4,753.00 Homeowner's exemption	$64,276 Land $22,521 Building $41,755	$192,828 Land $67,563 Building $125,265

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 19 White Oak Ln 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 19 White Oak Ln 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 94% of the US · lower than 61% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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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