3 White Oak Ln, Elgin, IL 60123 Property Records

Kane County property record for 3 White Oak Ln, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,829 sqft · built 1987
Lot Size	0.82 acres (3,575 sqft)
Owner	2 Individual Names on File
Last Sale	$239,000 (Jul 2003)
Tax Bill	$2,724 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jul 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-04-400-057`

Property Details

APN / Parcel Number

Primary APN	`06-04-400-057`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,829 sqft Living Area
Gross Area	3,658 sqft
1st Floor Area	1,829 sqft
Basement Area	1,829 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Construction Type	Frame
Lot Area	3,575 sqft (0.82 acres)
Lot Dimensions	65 ft deep x 55 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	3 WHITE OAK LN
City	ELGIN
State	IL
Zip	60123-2201
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING OAKS SUB NORTHERLY PORTION OF LOT 10 (EXCEPT THAT PART DESC IN DOC 1874972 )
Legal Subdivision	SPRING OAKS SUB
Legal Block	1
Legal Lot Number	10
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1006
Census Tract	851910

Owner

3 White Oak Ln is owned and occupied by two individuals who bought it in July 2003.

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

Owner of Record	2 Individual Names on File
Mailing Address	3 WHITE OAK LN, ELGIN, IL 60123-2201
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Aug 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jul 30, 2024	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Oct 31, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2003 · Amount on File
Deed Sale	Jul 28, 2003 · Amount on File
Prior Sale	Aug 22, 1996 · Amount on File
Deed Document Number	2003128870
Prior Transfer Date	Aug 1, 1996
Prior Transfer Doc	0000060242
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	3 WHITE OAK LN, ELGIN, IL 60123-2201
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000061597
Date	Aug 12, 2021
Instrument	2021K061597

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	3 WHITE OAK LN, ELGIN, IL 60123-2201
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 WHITE OAK LN, ELGIN, IL 60123-2201

Mortgage

Document Number	0000026546
Date	Jul 30, 2024
Instrument	2024K026546

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2054

Interest

Rate	6.75%

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	3 WHITE OAK LN, ELGIN, IL 60123-2201
Document Number	0000044924
Instrument Date	Sep 19, 2019
Transaction Type	Mortgage
Record Updated	Oct 9, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3 WHITE OAK LN ELGIN IL 601232201, ELGIN, IL 60123-2201

Mortgage

Document Number	0000044924
Date	Sep 25, 2019
Instrument	44924

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 24, 2049

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	3 WHITE OAK LN, ELGIN, IL 60123-2201
Document Number	0000053760
Instrument Date	Oct 31, 2018
Transaction Type	Mortgage
Record Updated	Nov 19, 2018
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3 WHITE OAK LN ELGIN IL 601232201, ELGIN, IL 60123-2201

Mortgage

Document Number	0000053760
Date	Nov 5, 2018
Instrument	53760

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 4, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3 White Oak Ln was $2,724 with exemptions applied.

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	$2,724.00 Homeowner's exemption Senior Citizen's exemption	$115,145 (+8.57%) Land $28,034 Building $87,111	$345,573 (+8.57%) Land $84,136 Building $261,438
2024		$106,056 Land $25,821 Building $80,235	$318,295 Land $77,494 Building $240,801
2022	$3,529.00 (-2.81%) Homeowner's exemption	$87,365 (+6.96%) Land $21,270 Building $66,095	$262,095 (+6.96%) Land $63,810 Building $198,285
2021	$3,631.00 Homeowner's exemption	$81,680 Land $19,886 Building $61,794	$245,040 Land $59,658 Building $185,382

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 3 White Oak Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 3 White Oak 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	Direct burnable vegetation

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 206 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
Verizon Fixed Wireless	300 / 20

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

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