354 Tracy Ln, Elgin, IL 60124 Property Records

Kane County property record for 354 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	0.12 acres (5,227 sqft)
Owner	2 Individual Names on Record
Last Sale	$273,000 (Sep 2021)
Tax Bill	$7,924 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Sep 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`06-19-256-019`

Property Details

APN / Parcel Number

Primary APN	`06-19-256-019`

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
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Construction Type	Frame
Lot Area	5,227 sqft (0.12 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	354 TRACY LN
City	ELGIN
State	IL
Zip	60124-4340
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COPPER SPRINGS LOT 187
Legal Subdivision	COPPER SPRINGS
Legal Block	1
Legal Lot Number	187
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 23, 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 Record
Mailing Address	354 TRACY LN, ELGIN, IL 60124-4340
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2026	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Sep 13, 2021	Warranty Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 13, 2021 · Amount on Record
Deed Sale	Sep 13, 2021 · Amount on Record
Prior Sale	Oct 18, 2005 · Amount on Record
Deed Document Number	202169646
Last Transfer Date	Feb 11, 2026
Transfer Doc	0000006475
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	354 TRACY LN, ELGIN, IL 60124-4340
Transaction Type	Mortgage
Record Updated	Feb 26, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	354 TRACY LN, ELGIN, IL 60124-4340

Mortgage

Document Number	0000006476
Date	Feb 18, 2026
Instrument	2026K006476

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Interest

Rate	5.99%

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 13, 2021
Property Address	354 TRACY LN, ELGIN, IL 60124-4340
Document Number	0000069646
Map Reference	DOC 2004K147283
Instrument Date	Aug 26, 2021
Instrument	2021K069646
Transaction Type	Transfer
Record Updated	Sep 20, 2021
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Tax	$273.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	354 TRACY LN, 354, ELGIN, IL 60124-4340

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	354 TRACY LN, ELGIN, IL 60124-4340

Tax Assessment & Valuation

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	$7,924.00 (+7.63%) Homeowner's exemption	$109,190 (+8.57%) Land $30,656 Building $78,534	$327,701 (+8.57%) Land $92,005 Building $235,696
2024		$100,571 (+21.39%) Land $28,236 Building $72,335	$301,834 (+21.44%) Land $84,742 Building $217,092
2022	$7,362.00 (+3.59%) Homeowner's exemption	$82,847 (+6.96%) Land $23,260 Building $59,587	$248,541 (+6.96%) Land $69,780 Building $178,761
2021	$7,107.00 Homeowner's exemption	$77,456 Land $21,746 Building $55,710	$232,368 Land $65,238 Building $167,130

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.

Nearby Properties on Tracy Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures