Kane County property record for 224 Lake St, Elgin, IL 60120
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 1,875 sqft · built 2005 |
| Lot Size | 0.21 acres (936 sqft) |
| Owner | Individual Name on File |
| Last Sale | $255,000 (Dec 2022) |
| Tax Bill | $7,051 (2025) |
| Deeds & Mortgages | Dec 2022 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 06-13-352-097 |
| Primary APN | 06-13-352-097 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 3 Stories |
| Building Area | 1,875 sqft Living Area |
| 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 |
| Cooling System | HVAC |
|---|
| Street Address | 224 LAKE ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-6410 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RIVER PARK PLACE - PT OF LOT 4 DESC AS NELY 18 FT OF SWLY 131 FT |
| 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 |
224 Lake St is owned and occupied by an individual who bought it in December 2022.
Source: Kane County records, as of July 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 224 LAKE ST, ELGIN, IL 60120-6410 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 13, 2022 · Amount on File |
| Deed Sale | Dec 13, 2022 · Amount on File |
| Prior Sale | Jul 22, 2013 · Amount on File |
| Deed Document Number | 202258550 |
| Prior Transfer Date | Jun 19, 2013 |
| Prior Transfer Doc | 0000046139 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Dec 13, 2022 |
| Property Address | 224 LAKE ST, ELGIN, IL 60120-6410 |
| Document Number | 0000058550 |
| Map Reference | DOC2004K072S91 |
| Instrument Date | Nov 14, 2022 |
| Instrument | 2022K058550 |
| Transaction Type | Transfer |
| Record Updated | Dec 20, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $255.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8620 PAPPAS WAY, ANNANDALE, VA 22003-4437 |
| Name | Verified Name |
|---|---|
| Address | 8620 PAPPAS WAY, ANNANDALE, VA 22003-4437 |
| Document Number | 0000058551 |
|---|---|
| Date | Dec 13, 2022 |
| Instrument | 2022K058551 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2053 |
| Rate | 6.99% |
|---|
The 2025 property tax bill for 224 Lake St was $7,051 with a homeowner's exemption.
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,051.00 Homeowner's exemption | $100,424 (+8.57%) Land $27,164 Building $73,260 | $301,393 (+8.57%) Land $81,525 Building $219,868 |
| 2024 | $92,497 Land $25,020 Building $67,477 | $277,602 Land $75,090 Building $202,512 | |
| 2022 | $6,607.00 (+3.97%) | $76,196 (+6.96%) Land $20,611 Building $55,585 | $228,588 (+6.96%) Land $61,833 Building $166,755 |
| 2021 | $6,355.00 | $71,238 Land $19,270 Building $51,968 | $213,714 Land $57,810 Building $155,904 |
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.
FEMA maps place 224 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.
The area around 224 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.
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 |
| 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.
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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