2020 Lucca Dr, Elgin, IL 60123 Property Records

Kane County property record for 2020 Lucca Dr, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,425 sqft · built 2010
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$365,000 (Jun 2021)
Tax Bill	$11,092 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Jun 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`06-16-254-007`

Property Details

APN / Parcel Number

Primary APN	`06-16-254-007`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,425 sqft Living Area
Gross Area	3,590 sqft
Basement Area	1,165 sqft

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Construction Type	Frame
Lot Area	11,761 sqft (0.27 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	2020 LUCCA DR
City	ELGIN
State	IL
Zip	60123-9005
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TUSCAN WOODS UNIT1 LT 22
Legal Subdivision	TUSCAN WOODS UNIT
Legal Block	3
Legal Lot Number	22
Legal Unit	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3015
Census Tract	851904

Owner

2020 Lucca Dr is owned and occupied by two individuals who bought it in June 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	2020 LUCCA DR, ELGIN, IL 60123-9005
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Jun 28, 2021	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Jun 9, 2017	Warranty Deed, Transfer WHEATLAND TITLE, WHEATLAND TITLE GUARANTY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2021 · Amount on File
Deed Sale	Jun 28, 2021 · Amount on File
Prior Sale	Jun 9, 2017 · Amount on File
Deed Document Number	202149244
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 28, 2021
Property Address	2020 LUCCA DR, ELGIN, IL 60123-9005
Document Number	0000049244
Map Reference	DOC 20061K089310
Instrument Date	May 11, 2021
Instrument	2021K049244
Transaction Type	Transfer
Record Updated	Jul 13, 2021
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$365.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2020 LUCCA DR, ELGIN, IL 60123-9005
Investor	Possibly a Property Investor

Mortgage

Document Number	0000049245
Date	Jun 28, 2021
Instrument	2021K049245

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

Interest

Rate	2.99%

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 9, 2017
Property Address	2020 LUCCA DR, ELGIN, IL 60123-9005
Document Number	0000029639
Instrument Date	May 30, 2017
Instrument	29639
Transaction Type	Transfer
Record Updated	Jul 5, 2017
Title Company	WHEATLAND TITLE, WHEATLAND TITLE GUARANTY

Transaction

Amount	Amount on Record
Tax	$468.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2020 LUCCA DR ELGIN IL 601239005, ELGIN, IL 60123-9005

Tax Assessment & Valuation

The 2025 property tax bill for 2020 Lucca Dr was $11,092 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	$11,092.00 Homeowner's exemption	$153,394 (+8.57%) Land $37,617 Building $115,777	$460,366 (+8.57%) Land $112,896 Building $347,470
2024		$141,286 Land $34,648 Building $106,638	$424,028 Land $103,986 Building $320,042
2022	$9,506.00 (+4.35%) Homeowner's exemption	$116,386 (+6.96%) Land $28,542 Building $87,844	$349,158 (+6.96%) Land $85,626 Building $263,532
2021	$9,110.00 Homeowner's exemption	$108,813 Land $26,685 Building $82,128	$326,439 Land $80,055 Building $246,384

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 2020 Lucca Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 2020 Lucca Dr 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 211 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 · Fiber, DSL in parts of the area	100 / 20

May also be available: Fox Valley Internet.

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