342 Victoria Ln, Elgin, IL 60124 Property Records

Kane County property record for 342 Victoria Ln, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,154 sqft · built 2005
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on File
Last Sale	$236,000 (May 2017)
Tax Bill	$7,639 (2025)
Deeds & Mortgages	Oct 2024 Mortgage Aug 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-19-255-009`

Property Details

APN / Parcel Number

Primary APN	`06-19-255-009`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,154 sqft Living Area
Gross Area	2,924 sqft
Basement Area	770 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Split Level
Construction Type	Frame
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	342 VICTORIA LN
City	ELGIN
State	IL
Zip	60124-4339
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COPPER SPRINGS LOT 211
Legal Subdivision	COPPER SPRINGS
Legal Block	1
Legal Lot Number	211
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1044
Census Tract	851911

Owner

342 Victoria Ln is owned and occupied by two individuals who bought it in May 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	342 VICTORIA LN, ELGIN, IL 60124-4339
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
Oct 24, 2024	Deed of Trust, Mortgage · Commercial Mortgage CENTERSTONE SBA LENDING INC
Aug 2, 2018	Deed of Trust, Mortgage · Commercial Mortgage VILLAGE BANK & TRUST
May 9, 2017	Trustee's Deed, Foreclosure · Conventional Mortgage DRAPER & KRAMER MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 9, 2017 · Amount on File
Deed Sale	May 9, 2017 · Amount on File
Prior Sale	Feb 8, 2008 · Amount on File
Deed Document Number	201723636
Prior Transfer Date	May 1, 2017
Prior Transfer Doc	0000023636
Record Updated	Oct 29, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	342 VICTORIA LN, ELGIN, IL 60124-4339
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	342 VICTORIA LN, ELGIN, IL 60124-4339

Mortgage

Document Number	0000039172
Date	Oct 24, 2024
Instrument	2024K039172

Lender

Name	CENTERSTONE SBA LENDING INC
Type	Lending Institution
Address	LOS ANGELES, CA 90017

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	122 Months
Due	Dec 1, 2034

Interest

Rate Type	Adjustable Rate
Rate	8%

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	342 VICTORIA LN, ELGIN, IL 60124-4339
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	JP TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000037561
Date	Aug 2, 2018
Instrument	2018K037561

Lender

Name	VILLAGE BANK & TRUST
Type	Bank
Address	BLOOMINGDALE, IL 60108

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

May 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	KANE IL
Recording Date	May 9, 2017
Property Address	342 VICTORIA LN, ELGIN, IL 60124-4339
Document Number	0000023636
Map Reference	DOC2004K147283
Instrument Date	May 1, 2017
Instrument	2017K023636
Transaction Type	Foreclosure
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$236.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	342 VICTORIA LN, ELGIN, IL 60124-4339
Investor	Possibly a Property Investor

Mortgage

Document Number	0000023637
Date	May 9, 2017
Instrument	2017K023637

Lender

Name	DRAPER & KRAMER MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 342 Victoria Ln was $7,639 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	Central Community Unit School District 301 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,639.00 Homeowner's exemption	$105,545 (+8.57%) Land $30,656 Building $74,889	$316,762 (+8.57%) Land $92,005 Building $224,757
2024		$97,214 Land $28,236 Building $68,978	$291,759 Land $84,742 Building $207,017
2022	$7,097.00 (+3.61%) Homeowner's exemption	$80,081 (+6.96%) Land $23,260 Building $56,821	$240,243 (+6.96%) Land $69,780 Building $170,463
2021	$6,850.00 Homeowner's exemption	$74,870 Land $21,746 Building $53,124	$224,610 Land $65,238 Building $159,372

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 342 Victoria 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

The area around 342 Victoria Ln has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 407 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
AT&T Fiber · DSL in parts of the area	1,000 / 1,000

May also be available: Verizon.

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