2032 Lucca Ct, Elgin, IL 60123 Property Records

Kane County property record for 2032 Lucca Ct, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,740 sqft · built 2009
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on Record
Last Sale	$276,000 (Jul 2016)
Tax Bill	$11,508 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Jun 2019 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`06-16-251-019`

Property Details

APN / Parcel Number

Primary APN	`06-16-251-019`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,740 sqft Living Area
Gross Area	4,115 sqft
Basement Area	1,375 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Construction Type	Frame
Lot Area	12,632 sqft (0.29 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	2032 LUCCA CT
City	ELGIN
State	IL
Zip	60123-9007
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TUSCAN WOODS UNIT1 LT 12
Legal Subdivision	TUSCAN WOODS UNIT
Legal Block	3
Legal Lot Number	12
Legal Unit	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3013
Census Tract	851904

Owner

Source: Kane County records, as of July 21, 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	2032 LUCCA CT, ELGIN, IL 60123-9007
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) DEPARTMENT OF HOUSING & URBAN DEV
Jun 17, 2019	Loan Modification, Mortgage · FHA Mortgage PINGORA LOAN SVCNG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2016 · Amount on Record
Deed Sale	Jul 15, 2016 · Amount on Record
Prior Sale	Jan 19, 2010 · Amount on Record
Deed Document Number	201636247
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	2032 LUCCA CT, ELGIN, IL 60123-9007
Transaction Type	Mortgage
Record Updated	Aug 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2032 LUCCA CT, ELGIN, IL 60123-9007

Mortgage

Document Number	0000028285
Date	Aug 17, 2023
Instrument	2023K028285

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	339 Months
Due	Nov 1, 2051

June 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KANE IL
Property Address	2032 LUCCA CT, ELGIN, IL 60123-9007
Document Number	0000036742
Instrument Date	Jun 17, 2019
Transaction Type	Mortgage
Record Updated	Aug 27, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2032 LUCCA CT ELGIN IL 601239007, ELGIN, IL 60123-9007

Mortgage

Document Number	0000036742
Date	Aug 14, 2019
Instrument	36742

Lender

Name	PINGORA LOAN SVCNG
Type	Funding / Finance Company
Address	1819 WAZEE ST # 2ND, DENVER, CO 80202-1781

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 13, 2049

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 2025

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	$11,508.00 (+15.89%) Homeowner's exemption
2024		$146,306 (+21.39%) Land $35,945 Building $110,361	$439,094 (+21.44%) Land $107,878 Building $331,215
2022	$9,930.00 (+4.34%) Homeowner's exemption	$120,523 (+6.96%) Land $29,611 Building $90,912	$361,569 (+6.96%) Land $88,833 Building $272,736
2021	$9,517.00 Homeowner's exemption	$112,680 Land $27,684 Building $84,996	$338,040 Land $83,052 Building $254,988

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 · 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

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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