343 Tracy Ln, Elgin, IL 60124 Property Records

Kane County property record for 343 Tracy Ln, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,154 sqft · built 2005
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$380,000 (Nov 2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-19-257-009`

Property Details

APN / Parcel Number

Primary APN	`06-19-257-009`

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
Construction Type	Frame
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	343 TRACY LN
City	ELGIN
State	IL
Zip	60124-4340
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COPPER SPRINGS LOT 172
Legal Subdivision	COPPER SPRINGS
Legal Block	1
Legal Lot Number	172
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1041
Census Tract	851911

Owner

Source: Kane County assessment roll, as of December 26, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	2435 EMILY LN, ELGIN, IL 60124-8743
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2025	Warranty Deed, Transfer · Conventional Mortgage GREENSTATE CU
Sep 27, 2017	Quit Claim Deed, Transfer · VA Mortgage PEOPLES HM EQUITY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 19, 2025 · Amount on Record
Deed Sale	Nov 19, 2025 · Amount on Record
Prior Sale	Nov 30, 2012 · Amount on Record
Deed Document Number	202546013
Prior Transfer Date	May 9, 2017
Prior Transfer Doc	0000050714
Record Updated	Sep 20, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Nov 19, 2025
Property Address	343 TRACY LN, ELGIN, IL 60124-4340
Document Number	0000046013
Map Reference	DOC 2004K147283
Instrument Date	Nov 11, 2025
Instrument	2025K046013
Transaction Type	Transfer
Record Updated	Dec 2, 2025
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$380.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	343 TRACY LN, ELGIN, IL 60124-4340

Mortgage

Document Number	0000046014
Date	Nov 19, 2025
Instrument	2025K046014

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.12%

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Sep 27, 2017
Property Address	343 TRACY LN, ELGIN, IL 60124-4340
Document Number	0000050714
Instrument Date	May 9, 2017
Instrument	50714
Transaction Type	Transfer
Record Updated	Oct 27, 2017
Title Company	NOVAS TITLE COMPANY LLC, NOVAS TITLE CO LLC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	343 TRACY LN ELGIN IL 601244340, ELGIN, IL 60124-4340

Mortgage

Document Number	50715
Date	Sep 27, 2017
Instrument	50715

Lender

Name	PEOPLES HM EQUITY
Type	Funding / Finance Company
Address	BRENTWOOD, TN 37027

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 26, 2047

Interest

Rate Type	Fixed Rate
Rate	4.25%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of December 26, 2025

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
2024	Disabled Person's exemption Veteran's exemption	$99,568 (+21.39%) Land $28,236 Building $71,332	$298,824 (+21.44%) Land $84,742 Building $214,082
2022	Disabled Person's exemption Veteran's exemption	$82,021 Land $23,260 Building $58,761	$246,063 Land $69,780 Building $176,283

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

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

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

Wildfire Risk	Not rated no burnable land within ember reach

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
Radiate Holdings 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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