2 White Oak Ln, Elgin, IL 60123 Property Records

Kane County property record for 2 White Oak Ln, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,847 sqft · built 1987
Lot Size	0.91 acres (3,976 sqft)
Owner	2 Individual Names on File
Last Sale	$200,500 (Nov 2019)
Tax Bill	$7,148 (2025)
Deeds & Mortgages	Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-04-400-049`

Property Details

APN / Parcel Number

Primary APN	`06-04-400-049`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,847 sqft Living Area
Gross Area	2,814 sqft
1st Floor Area	1,847 sqft
Basement Area	967 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	3,976 sqft (0.91 acres)
Lot Dimensions	65 ft deep x 61 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	2 WHITE OAK LN
City	ELGIN
State	IL
Zip	60123-2201
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING OAKS SUB LOT 1 (EXCEPT DOC 1830737)
Legal Subdivision	SPRING OAKS SUB
Legal Block	1
Legal Lot Number	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1006
Census Tract	851910

Owner

Source: Kane County assessment roll, APN 06-04-400-049, as of August 25, 2025 · Last verified July 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 File
Mailing Address	2 WHITE OAK LN, ELGIN, IL 60123-2201
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 22, 2019 · Amount on Record
Deed Sale	Nov 22, 2019 · Amount on Record
Prior Sale	Sep 30, 2008 · Amount on Record
Deed Document Number	201956908
Prior Transfer Date	May 24, 2001
Prior Transfer Doc	0000061656
Record Updated	Sep 20, 2026

November 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	Nov 22, 2019
Property Address	2 WHITE OAK LN, ELGIN, IL 60123-2201
Document Number	0000056908
Map Reference	DOC 1803396
Instrument Date	Nov 12, 2019
Instrument	2019K056908
Transaction Type	Transfer
Record Updated	Aug 05, 2022
Title Company	ATTORNEYS TTL GUARANTY FUND

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$200.50
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 WHITE OAK LN, ELGIN, IL 60123-2201

Mortgage

Document Number	0000056909
Date	Nov 22, 2019
Instrument	2019K056909

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2049

Tax Assessment & Valuation

Source: Kane County assessment roll as of August 25, 2025 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,148.00 (+6.75%) Homeowner's exemption Senior Citizen's exemption
2024		$101,039 (+21.39%) Land $25,821 Building $75,218	$303,238 (+21.44%) Land $77,494 Building $225,744
2022	$6,696.00 (+4.51%) Homeowner's exemption	$83,232 (+6.96%) Land $21,270 Building $61,962	$249,696 (+6.96%) Land $63,810 Building $185,886
2021	$6,407.00 Homeowner's exemption	$77,816 Land $19,886 Building $57,930	$233,448 Land $59,658 Building $173,790

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), as of October 8, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 93% of the US · above 42% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, 206 locations within half a mile, as of December 31, 2025 · Last verified October 2026

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

May also be available: Opiquad, T-Mobile USA.

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