2005 Jeffrey Ln, Elgin, IL 60123 Property Records

Kane County property record for 2005 Jeffrey Ln, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,688 sqft · built 1996
Owner	2 Individual Names on Record
Last Sale	$200,000 (Oct 2021)
Tax Bill	$6,360 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Oct 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-04-403-017`

Property Details

APN / Parcel Number

Primary APN	`06-04-403-017`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,688 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Condo/Apartment
Construction Type	Frame
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	2005 JEFFREY LN
City	ELGIN
State	IL
Zip	60123-1246
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WYNSTONE OF CENTURY OAKS CONDOMINIUM UNIT 2005
Legal Subdivision	CENTURY OAKS CONDO
Legal Block	1
Legal Lot Number	3
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1006
Census Tract	851910

Owner

Source: Kane County records, as of August 17, 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	2005 JEFFREY LN, ELGIN, IL 60123-1246
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2026	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK
Oct 12, 2021	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Jul 11, 2019	Warranty Deed, Transfer · Conventional Mortgage WINTRUST MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 12, 2021 · Amount on Record
Deed Sale	Oct 12, 2021 · Amount on Record
Prior Sale	Jul 11, 2019 · Amount on Record
Deed Document Number	202177056
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	Aug 7, 2026
Property Address	2005 JEFFREY LN, ELGIN, IL 60123-1246
Document Number	0000033916
Instrument Date	Jul 31, 2026
Instrument	202633916
Transaction Type	Mortgage
Record Updated	Aug 17, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	2005 JEFFREY LN, ELGIN, IL 60123-1246

Mortgage

Document Number	0000033916,
Date	Aug 7, 2026
Instrument	202633916

Lender

Name	BMO HARRIS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 5, 2056

Interest

Rate	8.09%
Max Rate	-1%

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 12, 2021
Property Address	2005 JEFFREY LN, ELGIN, IL 60123-1246
Document Number	0000077056
Instrument Date	Mar 19, 2021
Instrument	2021K077056
Transaction Type	Transfer
Record Updated	Oct 19, 2021
Title Company	CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1917 W WOODS DR, ELGIN, IL 60123

Mortgage

Document Number	0000077057
Date	Oct 12, 2021
Instrument	2021K077057

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	355 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.62%

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 11, 2019
Property Address	2005 JEFFREY LN, ELGIN, IL 60123-1246
Document Number	0000029561
Instrument Date	Jun 18, 2019
Instrument	2019K029561
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2005 JEFFREY LN, ELGIN, IL 60123-1246

Mortgage

Document Number	0000029562
Date	Jul 11, 2019
Instrument	2019K029562

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2039

Interest

Rate Type	Fixed Rate
Rate	3.87%

Tax Assessment & Valuation

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	$6,360.00 (+15.83%) Homeowner's exemption	$91,376 (+8.57%) Land $19,116 Building $72,260	$274,238 (+8.57%) Land $57,371 Building $216,867
2024		$84,163 (+21.39%) Land $17,607 Building $66,556	$252,590 (+21.44%) Land $52,842 Building $199,748
2022	$5,491.00 (+4.65%) Homeowner's exemption	$69,330 (+6.96%) Land $14,504 Building $54,826	$207,990 (+6.96%) Land $43,512 Building $164,478
2021	$5,247.00 Homeowner's exemption	$64,818 Land $13,560 Building $51,258	$194,454 Land $40,680 Building $153,774

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

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

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 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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