2465 Emily Ln, Elgin, IL 60124 Property Records

Kane County property record for 2465 Emily Ln, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,626 sqft · built 2004
Owner	2 Individual Names on File
Last Sale	$210,000 (Jan 2021)
Tax Bill	$5,976 (2025)
Deeds & Mortgages	Apr 2017 Mortgage Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-29-476-032`

Property Details

APN / Parcel Number

Primary APN	`06-29-476-032`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,626 sqft Living Area
Gross Area	2,439 sqft
Basement Area	813 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Construction Type	Frame
Lot Width	21 ft Width

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	2465 EMILY LN
City	ELGIN
State	IL
Zip	60124-8743
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE RESERVE - PT LOT 41 DESC IN DOC 2005K008211 - 1-21-2005
Legal Subdivision	THE RESERVE
Legal Block	2
Legal Lot Number	41
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2001
Census Tract	851912

Owner

2465 Emily Ln is owned and occupied by two individuals who bought it in January 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	2465 EMILY LN, ELGIN, IL 60124-8743
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 20, 2017	Deed of Trust, Mortgage · Commercial Mortgage OLD SECOND NATIONAL BANK
Jan 20, 2021	Warranty Deed, Transfer · Conventional Mortgage CITYWIDE HOME LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 20, 2021 · Amount on File
Deed Sale	Jan 20, 2021 · Amount on File
Prior Sale	Aug 23, 2013 · Amount on File
Deed Document Number	20214676
Record Updated	Oct 29, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	2465 EMILY LN, ELGIN, IL 60124-8743
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019824
Date	Apr 20, 2017
Instrument	2017K019824

Lender

Name	OLD SECOND NATIONAL BANK
Type	Bank
Address	ELGIN, IL 60124

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 25, 2047

Interest

Rate Type	Adjustable Rate
Rate	4%
Change Frequency	Monthly
Min Rate At Change	5.75%
Max Rate	18%

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 20, 2021
Property Address	2465 EMILY LN, ELGIN, IL 60124-8743
Document Number	0000004676
Instrument Date	Dec 10, 2020
Instrument	2021K004676
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE INSURANCE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$210.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2465 EMILY LN, ELGIN, IL 60124-8743

Mortgage

Document Number	0000004677
Date	Jan 20, 2021
Instrument	2021K004677

Lender

Name	CITYWIDE HOME LOANS
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 2465 Emily Ln was $5,976 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	$5,976.00 Homeowner's exemption	$86,344 (+8.57%) Land $20,940 Building $65,404	$259,136 (+8.57%) Land $62,845 Building $196,291
2024		$79,528 Land $19,287 Building $60,241	$238,679 Land $57,884 Building $180,795
2022	$5,160.00 (+4.69%) Homeowner's exemption	$65,512 (+6.96%) Land $15,888 Building $49,624	$196,536 (+6.96%) Land $47,664 Building $148,872
2021	$4,929.00 Homeowner's exemption	$61,249 Land $14,854 Building $46,395	$183,747 Land $44,562 Building $139,185

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 2465 Emily Ln in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

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

Wildfire risk around 2465 Emily Ln is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 79% 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.

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