2320 Gale Ln, Elgin, IL 60123 Property Records

Kane County property record for 2320 Gale Ln, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,028 sqft · built 1978
Lot Size	0.252 acres (10,971 sqft)
Owner	2 Individual Names on Record
Last Sale	$108,000 (Oct 1996)
Tax Bill	$5,571 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Apr 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-21-179-012`

Property Details

APN / Parcel Number

Primary APN	`06-21-179-012`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,028 sqft Living Area
Gross Area	2,056 sqft
1st Floor Area	1,028 sqft
Basement Area	1,028 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Construction Type	Frame
Lot Area	10,971 sqft (0.252 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	2320 GALE LN
City	ELGIN
State	IL
Zip	60123-6920
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COLLEGE PARK UNIT 5 LOT 205
Legal Subdivision	COLLEGE PARK
Legal Block	1
Legal Lot Number	205
Legal Unit	5
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2018
Census Tract	851908

Owner

Source: Kane County records, as of July 23, 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	2320 GALE LN, ELGIN, IL 60123-6920
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2026	Deed of Trust, Mortgage · Conventional Mortgage BAXTER CU
Apr 17, 2023	Deed of Trust, Mortgage · Conventional Mortgage BAXTER CU
Nov 20, 2018	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
Sep 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage BAXTER CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 8, 1996 · Amount on Record
Deed Sale	Oct 8, 1996 · Amount on Record
Deed Document Number	199672284
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	2320 GALE LN, ELGIN, IL 60123-6920
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	MIS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2320 GALE LN, ELGIN, IL 60123-6920

Mortgage

Document Number	0000011848
Date	Mar 25, 2026
Instrument	2026K011848

Lender

Name	BAXTER CU
Type	Credit Union
Address	VERNON HILLS, IL 60061

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2041

Interest

Rate	5.62%

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	2320 GALE LN, ELGIN, IL 60123-6920
Transaction Type	Mortgage
Record Updated	Apr 24, 2023
Title Company	NOT AVAILABLE, MIS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2320 GALE LN, ELGIN, IL 60123-6920

Mortgage

Document Number	0000011961
Date	Apr 17, 2023
Instrument	2023K011961

Lender

Name	BAXTER CU
Type	Credit Union
Address	VERNON HILLS, IL 60061

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	May 1, 2033

Interest

Rate	6.25%

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	2320 GALE LN, ELGIN, IL 60123-6920
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000056365
Date	Nov 20, 2018
Instrument	2018K056365

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 21, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	2320 GALE LN, ELGIN, IL 60123-6920
Document Number	0000047600
Instrument Date	Sep 27, 2019
Transaction Type	Mortgage
Record Updated	Oct 18, 2019
Title Company	MIS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2320 GALE LN ELGIN IL 601236920, ELGIN, IL 60123-6920

Mortgage

Document Number	0000047600
Date	Oct 8, 2019
Instrument	47600

Lender

Name	BAXTER CU
Type	Credit Union
Address	VERNON HILLS, IL 60061

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 7, 2029

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	$5,571.00 (+4.74%) Homeowner's exemption Disabled Person's exemption	$83,025 (+8.57%) Land $23,194 Building $59,831	$249,175 (+8.57%) Land $69,610 Building $179,565
2024	$5,319.00 (+11.56%)	$76,471 (+21.39%) Land $21,363 Building $55,108	$229,505 (+21.44%) Land $64,115 Building $165,390
2022	$4,768.00 (+5.02%) Disabled Person's exemption	$62,994 (+6.96%) Land $17,598 Building $45,396	$188,982 (+6.96%) Land $52,794 Building $136,188
2021	$4,540.00 Disabled Person's exemption	$58,895 Land $16,453 Building $42,442	$176,685 Land $49,359 Building $127,326

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 166 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
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

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

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