208 Lake St, Elgin, IL 60120 Property Records

Kane County property record for 208 Lake St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,970 sqft · built 2005
Lot Size	0.21 acres (936 sqft)
Owner	2 Individual Names on File
Last Sale	$260,000 (Feb 2023)
Tax Bill	$6,744 (2025)
Deeds & Mortgages	May 2023 Transfer Feb 2023 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`06-13-352-093`

Property Details

APN / Parcel Number

Primary APN	`06-13-352-093`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	3 Stories
Building Area	1,970 sqft Living Area

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Brick
Lot Area	936 sqft (0.21 acres)
Lot Dimensions	52 ft deep x 18 ft wide
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	208 LAKE ST
City	ELGIN
State	IL
Zip	60120-6410
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVER PARK PLACE LOT 4 AS DESC IN DOC 2005K100476
Legal Subdivision	RIVER PARK PLACE
Legal Block	2
Legal Lot Number	4
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2043
Census Tract	854600

Owner

208 Lake St is owned and occupied by two individuals who bought it in February 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	208 LAKE ST, ELGIN, IL 60120-6410
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
May 25, 2023	Intrafamily Transfer, Transfer E-CHICAGO TITLE, CHICAGO TITLE
Feb 8, 2023	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Nov 5, 2021	Warranty Deed, Transfer · Commercial Mortgage THE STATE BANK OF GENEVA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 8, 2023 · Amount on File
Deed Sale	Feb 8, 2023 · Amount on File
Prior Sale	Nov 5, 2021 · Amount on File
Deed Document Number	20233973
Prior Transfer Date	Feb 7, 2023
Prior Transfer Doc	0000016873
Record Updated	Oct 29, 2026

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	May 25, 2023
Property Address	208 LAKE ST, ELGIN, IL 60120-6410
Document Number	0000016873
Map Reference	DOC 2004K072591
Instrument Date	Feb 7, 2023
Instrument	2023K016873
Transaction Type	Transfer
Record Updated	Jun 6, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	208 LAKE ST, ELGIN, IL 60120-6410

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Feb 8, 2023
Property Address	208 LAKE ST, ELGIN, IL 60120-6410
Document Number	0000003973
Map Reference	DOC 2004K072591
Instrument Date	Feb 6, 2023
Instrument	2023K003973
Transaction Type	Transfer
Record Updated	Feb 15, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$260.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	208 LAKE ST, ELGIN, IL 60120-6410

Mortgage

Document Number	0000003974
Date	Feb 8, 2023
Instrument	2023K003974

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6%

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Nov 5, 2021
Property Address	208 LAKE ST, ELGIN, IL 60120-6410
Document Number	0000083789
Instrument Date	Oct 1, 2021
Instrument	2021K083789
Transaction Type	Transfer
Record Updated	Nov 16, 2021
Title Company	PRECISION TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$222.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Venture
Address	208 LAKE ST, ELGIN, IL 60120-6410

Mortgage

Document Number	0000083790
Date	Nov 5, 2021
Instrument	2021K083790

Lender

Name	THE STATE BANK OF GENEVA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 208 Lake St was $6,744 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	$6,744.00	$96,400 (+8.57%) Land $27,164 Building $69,236	$289,316 (+8.57%) Land $81,525 Building $207,791
2024		$88,791 Land $25,020 Building $63,771	$266,480 Land $75,090 Building $191,390
2022	$6,342.00 (+13.96%)	$73,143 (+6.96%) Land $20,611 Building $52,532	$219,429 (+6.96%) Land $61,833 Building $157,596
2021	$5,565.00 Homeowner's exemption	$68,384 Land $19,270 Building $49,114	$205,152 Land $57,810 Building $147,342

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 208 Lake St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	6 in force
Nearby Flood Claims	2 (2007–2013)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Apr 2013 · Severe Storms, Straight-line Winds, 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

The area around 208 Lake St has no burnable land within ember reach, so its wildfire risk is not rated.

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 515 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Fox Valley Internet, T-Mobile.

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