315 Lawrence Ave, Elgin, IL 60123 Property Records

Kane County property record for 315 Lawrence Ave, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,416 sqft · built 1908
Lot Size	0.17 acres (7,425 sqft)
Owner	2 Individual Names on File
Last Sale	$249,000 (Oct 2022)
Tax Bill	$4,428 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-14-251-002`

Property Details

APN / Parcel Number

Primary APN	`06-14-251-002`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	5 Stories
Building Area	1,416 sqft Living Area
Gross Area	2,360 sqft
Basement Area	944 sqft

Exterior

Year Built	Built 1908
Effective Year Built	Effective 1908
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	7,425 sqft (0.17 acres)
Lot Dimensions	149 ft deep x 50 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	315 LAWRENCE AVE
City	ELGIN
State	IL
Zip	60123-3513
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W C KIMBALLS PLAT OF WEST ELGIN WEST 50 FT LOT 9 & LOT 10 BLOCK 39
Legal Subdivision	WEST ELGIN WEST
Legal Block	39
Legal Lot Number	9,10
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1007
Census Tract	851102

Owner

Source: Kane County records · APN 06-14-251-002

Assessment roll updated August 25, 2025 · Last verified July 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 File
Mailing Address	315 LAWRENCE AVE, ELGIN, IL 60123-3513
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 06, 2022 · Amount on Record
Deed Sale	Oct 06, 2022 · Amount on Record
Prior Sale	Nov 22, 2010 · Amount on Record
Deed Document Number	202249338
Record Updated	Sep 20, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 06, 2022
Property Address	315 LAWRENCE AVE, ELGIN, IL 60123-3513
Document Number	0000049338
Instrument Date	Oct 03, 2022
Instrument	2022K049338
Transaction Type	Transfer
Record Updated	Oct 12, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$249.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	315 LAWRENCE AVE, ELGIN, IL 60123-3513

Mortgage

Document Number	0000049339
Date	Oct 06, 2022
Instrument	2022K049339

Lender

Name	AMERICAN PORTFOLIO MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2052

Interest

Rate Type	Fixed Rate
Rate	6%

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,428.00 (+15.76%) Homeowner's exemption
2024		$60,835 (+21.39%) Land $10,935 Building $49,900	$182,578 (+21.44%) Land $32,818 Building $149,760
2022	$3,825.00 (+4.97%) Homeowner's exemption	$50,114 (+6.96%) Land $9,008 Building $41,106	$150,342 (+6.96%) Land $27,024 Building $123,318
2021	$3,644.00 Homeowner's exemption	$46,853 Land $8,422 Building $38,431	$140,559 Land $25,266 Building $115,293

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 8, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	3 (1978–2009)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Mar 2009 · rainfall accumulation

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Radiate Holdings Cable	1,500 / 50
Opiquad Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

Based on FCC filings for 381 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ELGIN serves 114,797 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.