344 Tracy Ln, Elgin, IL 60124 Property Records

Kane County property record for 344 Tracy Ln, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,300 sqft · built 2005
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Company Names on Record
Last Sale	$170,000 (Apr 2014)
Tax Bill	$8,009 (2025)
Deeds & Mortgages	Mar 2023 Transfer Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-19-256-014`

Property Details

APN / Parcel Number

Primary APN	`06-19-256-014`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,300 sqft Living Area
Gross Area	2,975 sqft
Basement Area	675 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Construction Type	Frame
Lot Area	6,534 sqft (0.15 acres)
Lot Width	59 ft Width
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	344 TRACY LN
City	ELGIN
State	IL
Zip	60124-4340
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COPPER SPRINGS LOT 192
Legal Subdivision	COPPER SPRINGS
Legal Block	1
Legal Lot Number	192
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1042
Census Tract	851911

Owner

Source: Kane County records, as of July 21, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	344 TRACY LN, ELGIN, IL 60124-4340
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2023	Intrafamily Transfer, Transfer ATTORNEY
Feb 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 25, 2014 · Amount on Record
Deed Sale	Apr 25, 2014 · Amount on Record
Prior Sale	Jan 9, 2012 · Amount on Record
Deed Document Number	201419489
Last Transfer Date	Mar 8, 2023
Transfer Doc	0000008752
Record Updated	Sep 20, 2026

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Mar 22, 2023
Property Address	344 TRACY LN, ELGIN, IL 60124-4340
Document Number	0000008752
Map Reference	DOC 2004K147283
Instrument Date	Mar 8, 2023
Instrument	2023K008752
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	344 TRACY LN, ELGIN, IL 60124-4340

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	344 TRACY LN, ELGIN, IL 60124-4340
Transaction Type	Mortgage
Record Updated	Feb 16, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008853
Date	Feb 2, 2021
Instrument	2021K008853

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.99%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 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
2025	$8,009.00 (+7.65%)
2024		$101,567 (+21.39%) Land $28,981 Building $72,586	$304,823 (+21.44%) Land $86,978 Building $217,845
2022	$7,440.00 (+3.58%) Homeowner's exemption	$83,667 (+6.96%) Land $23,873 Building $59,794	$251,001 (+6.96%) Land $71,619 Building $179,382
2021	$7,183.00 Homeowner's exemption	$78,223 Land $22,320 Building $55,903	$234,669 Land $66,960 Building $167,709

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

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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