349 Tracy Ln, Elgin, IL 60124 Property Records

Kane County property record for 349 Tracy Ln, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 2,300 sqft · built 2005
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Last Sale	$263,000 (Jan 2006)
Tax Bill	$7,788 (2025)
Deeds & Mortgages	May 2026 Mortgage Jul 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-19-257-012`

Property Details

APN / Parcel Number

Primary APN	`06-19-257-012`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,300 sqft Living Area
Gross Area	2,975 sqft
Basement Area	675 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Construction Type	Frame
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	112 ft deep x 59 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	349 TRACY LN
City	ELGIN
State	IL
Zip	60124-4340
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COPPER SPRINGS LOT 175
Legal Subdivision	COPPER SPRINGS
Legal Block	1
Legal Lot Number	175
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1041
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	Individual Name on Record
Mailing Address	349 TRACY LN, ELGIN, IL 60124-4340
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2026	Deed of Trust, Mortgage · FHA Mortgage IMPERIAL LENDING LLC
Jul 6, 2023	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 28, 2021	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Feb 1, 2018	Deed of Trust, Mortgage · FHA Mortgage MERIDIAN HOME MORTGAGE CORP
Aug 28, 2020	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 23, 2006 · Amount on Record
Deed Sale	Jan 23, 2006 · Amount on Record
Deed Document Number	20068456
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	May 20, 2026
Property Address	349 TRACY LN, ELGIN, IL 60124-4340
Document Number	0000020746
Instrument Date	Dec 26, 2025
Instrument	202620746
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	349 TRACY LN, ELGIN, IL 60124-4340

Mortgage

Document Number	0000020746,
Date	May 20, 2026
Instrument	202620746

Lender

Name	IMPERIAL LENDING LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

Interest

Rate	6%
Max Rate	-1%

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	349 TRACY LN, ELGIN, IL 60124-4340
Transaction Type	Mortgage
Record Updated	Jul 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	349 TRACY LN, ELGIN, IL 60124-4340

Mortgage

Document Number	0000022352
Date	Jul 6, 2023
Instrument	2023K022352

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2053

Interest

Rate	6.99%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	349 TRACY LN, ELGIN, IL 60124-4340
Transaction Type	Mortgage
Record Updated	Jan 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	349 TRACY LN, ELGIN, IL 60124-4340

Mortgage

Document Number	0000095631
Date	Dec 28, 2021
Instrument	2021K095631

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	349 TRACY LN, ELGIN, IL 60124-4340
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ADVANTAGE TITLE CO LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005309
Date	Feb 1, 2018
Instrument	2018K005309

Lender

Name	MERIDIAN HOME MORTGAGE CORP
Type	Mortgage Company
Address	OWINGS MILLS, MD 21117

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2048

Interest

Rate Type	Fixed Rate
Rate	3.87%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	349 TRACY LN, ELGIN, IL 60124-4340
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000048999
Date	Aug 28, 2020
Instrument	2020K048999

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Interest

Rate	3.25%

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	$7,788.00 (-2.5%) Homeowner's exemption
2024	$7,988.00 (+10.41%)	$98,969 (+21.39%) Land $28,981 Building $69,988	$297,026 (+21.44%) Land $86,978 Building $210,048
2022	$7,235.00 (+3.59%) Homeowner's exemption	$81,527 (+6.96%) Land $23,873 Building $57,654	$244,581 (+6.96%) Land $71,619 Building $172,962
2021	$6,984.00 Homeowner's exemption	$76,222 Land $22,320 Building $53,902	$228,666 Land $66,960 Building $161,706

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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