20 Lockman Cir, Elgin, IL 60123 Property Records

Kane County property record for 20 Lockman Cir, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,428 sqft · built 1978
Owner	2 Individual Names on Record
Last Sale	$133,000 (May 1996)
Tax Bill	$7,590 (2025)
Deeds & Mortgages	Aug 2021 Second Mortgage Sep 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-32-471-013`

Property Details

APN / Parcel Number

Primary APN	`03-32-471-013`

Interior

Bedrooms	3 Beds
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,428 sqft Living Area
Gross Area	2,820 sqft
1st Floor Area	952 sqft
Basement Area	952 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	20 LOCKMAN CIR
City	ELGIN
State	IL
Zip	60123-1250
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CENTURY OAKS WEST UNIT NO. 5 PT OF LOT 254 LYING IN TAXCODE DU024
Legal Subdivision	CENTURY OAKS WEST
Legal Block	1
Legal Lot Number	254
Legal Unit	5
Jurisdiction	KANE IL
Township / Civil Division	DUNDEE
Census Block Group	3
Census Block	3048
Census Tract	850600

Owner

Source: Kane County records, as of July 23, 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 Record
Mailing Address	20 LOCKMAN CIR, ELGIN, IL 60123-1250
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Sep 6, 2019	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 1996 · Amount on Record
Deed Sale	May 22, 1996 · Amount on Record
Deed Document Number	199637595
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	20 LOCKMAN CIR, ELGIN, IL 60123-1250
Transaction Type	Mortgage
Record Updated	Sep 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000066081
Date	Aug 30, 2021
Instrument	2021K066081

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	PHILADELPHIA, PA 19104

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Interest

Rate	6.49%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	20 LOCKMAN CIR, ELGIN, IL 60123-1250
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041080
Date	Sep 6, 2019
Instrument	2019K041080

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company
Address	SACRAMENTO, CA 95815

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 1, 2029

Tax Assessment & Valuation

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	Dundee 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	$7,590.00 (+28.69%) Homeowner's exemption Senior Citizen's exemption	$110,565 (+9.42%) Land $27,876 Building $82,689	$331,828 (+9.42%) Land $83,661 Building $248,166
2024		$101,046 (+34.42%) Land $25,476 Building $75,570	$303,259 (+34.48%) Land $76,459 Building $226,801
2022	$5,898.00 (+4.35%) Homeowner's exemption	$75,171 (+5.91%) Land $22,922 Building $52,249	$225,513 (+5.91%) Land $68,766 Building $156,747
2021	$5,652.00 Homeowner's exemption	$70,976 Land $21,643 Building $49,333	$212,928 Land $64,929 Building $147,999

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

Flood

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	2 in force
Nearby Flood Claims	2 (2002–2007)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Aug 2007 · Severe Storms And Flooding

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

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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