2402 Emily Ln, Elgin, IL 60124 Property Records

Kane County property record for 2402 Emily Ln, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,500 sqft · built 2005
Owner	Individual Name on Record
Last Sale	$180,000 (Feb 2021)
Tax Bill	$5,512 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Feb 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-29-476-147`

Property Details

APN / Parcel Number

Primary APN	`06-29-476-147`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,500 sqft Living Area
Gross Area	2,286 sqft
Basement Area	786 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Contemporary
Construction Type	Frame
Lot Width	22 ft Width
Garage Type	Attached

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	2402 EMILY LN
City	ELGIN
State	IL
Zip	60124-8743
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE RESERVE LOT 28 AS DESC IN DOC 2006K029551
Legal Subdivision	THE RESERVE
Legal Block	2
Legal Lot Number	28
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2002
Census Tract	851912

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	Individual Name on Record
Mailing Address	2402 EMILY LN, ELGIN, IL 60124-8743
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2026	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF OMAHA
Feb 2, 2021	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Apr 15, 2019	Warranty Deed, Transfer · FHA Mortgage USAA FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 2, 2021 · Amount on Record
Deed Sale	Feb 2, 2021 · Amount on Record
Prior Sale	Apr 15, 2019 · Amount on Record
Deed Document Number	20218811
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	2402 EMILY LN, ELGIN, IL 60124-8743
Transaction Type	Mortgage
Record Updated	Feb 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005098
Date	Feb 6, 2026
Instrument	2026K005098

Lender

Name	FIRST NATIONAL BANK OF OMAHA
Type	Bank
Address	OMAHA, NE 68197

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly
Max Rate	18%

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Feb 2, 2021
Property Address	2402 EMILY LN, ELGIN, IL 60124-8743
Document Number	0000008811
Map Reference	DOC 2004K044951
Instrument Date	Dec 8, 2020
Instrument	2021K008811
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$180.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2402 EMILY LN, ELGIN, IL 60124-8743

Mortgage

Document Number	0000008812
Date	Feb 2, 2021
Instrument	2021K008812

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 1, 2051

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 15, 2019
Property Address	2402 EMILY LN, ELGIN, IL 60124-8743
Document Number	0000014337
Map Reference	DOC 2004K044951
Instrument Date	Mar 8, 2019
Instrument	2019K014337
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	ATTORNEYS TITLE GUARANTY FUN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$172.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	2402 EMILY LN, ELGIN, IL 60124-8743

Mortgage

Document Number	0000014338
Date	Apr 15, 2019
Instrument	2019K014338

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2049

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	$5,512.00 (+15.82%) Homeowner's exemption	$80,251 (+8.57%) Land $20,940 Building $59,311	$240,849 (+8.57%) Land $62,845 Building $178,004
2024		$73,916 (+21.39%) Land $19,287 Building $54,629	$221,837 (+21.44%) Land $57,884 Building $163,953
2022	$4,759.00 (+4.75%) Homeowner's exemption	$60,889 (+6.96%) Land $15,888 Building $45,001	$182,667 (+6.96%) Land $47,664 Building $135,003
2021	$4,543.00 Homeowner's exemption	$56,927 Land $14,854 Building $42,073	$170,781 Land $44,562 Building $126,219

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
Flood Insurance Requirement	Not required lenders may require it
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 94% of the US · lower than 61% 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 210 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable	1,500 / 50
Xfinity Cable	1,200 / 35

May also be available: AT&T, T-Mobile, Verizon.

Nearby Properties on Emily Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures