2525 Emily Ln, Elgin, IL 60124 Property Records

Kane County property record for 2525 Emily Ln, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,500 sqft · built 2004
Lot Size	0.29 acres (1,276 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Aug 2022)
Tax Bill	$5,437 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Aug 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-29-451-055`

Property Details

APN / Parcel Number

Primary APN	`06-29-451-055`

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 2004
Effective Year Built	Effective 2004
Construction Type	Frame
Lot Area	1,276 sqft (0.29 acres)
Lot Dimensions	58 ft deep x 22 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	2525 EMILY LN
City	ELGIN
State	IL
Zip	60124-8729
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE RESERVE - PT LOT 38 DESC IN DOC 2005K051515
Legal Subdivision	THE RESERVE
Legal Block	2
Legal Lot Number	38
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2001
Census Tract	851912

Owner

2525 Emily Ln is owned and occupied by an individual who bought it in August 2022.

Source: Kane County records, as of August 4, 2026

Owner of Record	Individual Name on File
Mailing Address	2525 EMILY LN, ELGIN, IL 60124-8729
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
Jul 27, 2026	Deed of Trust, Mortgage · Line of Credit AMERISAVE MORTGAGE CORPORATION
Aug 12, 2022	Warranty Deed, Transfer · FHA Mortgage AMERICAN FIDELITY MORTGAGE SERVICES
Jan 5, 2021	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF OMAHA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 12, 2022 · Amount on File
Deed Sale	Aug 12, 2022 · Amount on File
Prior Sale	May 13, 2016 · Amount on File
Deed Document Number	202241015
Prior Transfer Date	Dec 4, 2012
Prior Transfer Doc	0000086742
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	Jul 27, 2026
Property Address	2525 EMILY LN, ELGIN, IL 60124-8729
Document Number	0000031876
Instrument Date	Jul 21, 2026
Instrument	202631876
Transaction Type	Mortgage
Record Updated	Aug 4, 2026
Title Company	220 TITLE, 20/20 TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2525 EMILY LN, ELGIN, IL 60124-8729

Mortgage

Document Number	0000031876,
Date	Jul 27, 2026
Instrument	202631876

Lender

Name	AMERISAVE MORTGAGE CORPORATION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Aug 1, 2041

Interest

Rate	5.84%
Max Rate	-1%

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 12, 2022
Property Address	2525 EMILY LN, ELGIN, IL 60124-8729
Document Number	0000041015
Map Reference	DOC 2004K044951
Instrument Date	Jul 28, 2022
Instrument	2022K041015
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$220.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3039 SETTLERS PKWY, 3039, ELGIN, IL 60124-8936

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	706 BLUFF ST APT 303, 303, CAROL STREAM, IL 60188-1690

Mortgage

Document Number	0000041016
Date	Aug 12, 2022
Instrument	2022K041016

Lender

Name	AMERICAN FIDELITY MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Fixed Rate
Rate	5.62%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	2525 EMILY LN, ELGIN, IL 60124-8729
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000432
Date	Jan 5, 2021
Instrument	2021K000432

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 2525 Emily Ln was $5,437 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	$5,437.00 Homeowner's exemption	$79,272 (+8.57%) Land $20,940 Building $58,332	$237,911 (+8.57%) Land $62,845 Building $175,066
2024		$73,015 Land $19,287 Building $53,728	$219,133 Land $57,884 Building $161,248
2022	$5,215.00 (+3.97%)	$60,147 (+6.96%) Land $15,888 Building $44,259	$180,441 (+6.96%) Land $47,664 Building $132,777
2021	$5,016.00	$56,233 Land $14,854 Building $41,379	$168,699 Land $44,562 Building $124,137

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 2525 Emily Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 AE, within 500 ft
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 2525 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.

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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