Kane County property record for 39W515 Lori Ln, Elgin, IL 60124
| Property Type | Single Family Home |
|---|---|
| Lot Size | 1.52 acres (66,211 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $71,000 (Feb 2016) |
| Tax Bill | $19,416 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Sep 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-25-177-016 |
| Primary APN | 05-25-177-016 |
|---|
| Lot Area | 66,211 sqft (1.52 acres) |
|---|
| Street Address | 39W515 LORI LN |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60124-4316 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 6 OAK ESTATES |
| Legal Subdivision | WHISPERING OAKS |
| Legal Block | 1 |
| Legal Lot Number | 6 |
| Jurisdiction | KANE IL |
| Township / Civil Division | PLATO |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 850711 |
39W515 Lori Ln is owner-occupied and held in a trust since February 2016.
Source: Kane County records, as of July 21, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 39W515 LORI LN, ELGIN, IL 60124-4316 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC |
| Sep 8, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC |
| Aug 27, 2019 | Deed of Trust, Mortgage · Commercial Mortgage PRAIRIE COMMUNITY BANK |
| Apr 23, 2018 | Trustee's Deed, Construction Loan · Line of Credit PRAIRIE CMNTY BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 17, 2016 · Amount on File |
| Deed Sale | Feb 17, 2016 · Amount on File |
| Prior Sale | May 12, 2006 · Amount on File |
| Deed Document Number | 20167757 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 39W515 LORI LN, ELGIN, IL 60124-4316 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2021 |
| Title Company | CITYWIDE TITLE CORPORATION, CITYWIDE TITLE CORP |
| Name | Verified Name |
|---|
| Document Number | 0000019689 |
|---|---|
| Date | Mar 12, 2021 |
| Instrument | 2021K019689 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 1, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 39W515 LORI LN, ELGIN, IL 60124-4316 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CITYWIDE TITLE CORP |
| Name | Verified Name |
|---|
| Document Number | 0000051133 |
|---|---|
| Date | Sep 8, 2020 |
| Instrument | 2020K051133 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 179 Months |
| Due | Aug 1, 2035 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 39W515 LORI LN, ELGIN, IL 60124-4316 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CHICAGO TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000039236 |
|---|---|
| Date | Aug 27, 2019 |
| Instrument | 2019K039236 |
| Name | PRAIRIE COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | MARENGO, IL 60152 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate | 4.25% |
|---|
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Apr 23, 2018 |
| Property Address | 39W515 LORI LN, ELGIN, IL 60124-4316 |
| Instrument Date | Apr 13, 2018 |
| Instrument | 18492 |
| Transaction Type | Construction Loan |
| Record Updated | May 2, 2018 |
| Title Company | CHICAGO TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 6 LORI LN ELGIN IL 60124, ELGIN, IL 60124 |
| Document Number | 0000018492 |
|---|---|
| Date | Apr 23, 2018 |
| Instrument | 18492 |
| Name | PRAIRIE CMNTY BK |
|---|---|
| Type | Bank |
| Address | PO BOX 255, MARENGO, IL 60152-0255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.95% |
The 2025 property tax bill for 39W515 Lori Ln was $19,416 with a homeowner's exemption.
Source: Kane County assessment roll, as of August 25, 2025
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Plato Township |
| Unified School District | Central Community Unit School District 301 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $19,416.00 Homeowner's exemption | ||
| 2024 | $258,860 Land $31,322 Building $227,538 | $776,891 Land $94,004 Building $682,887 | |
| 2022 | $16,206.00 (+1.05%) Homeowner's exemption | $209,048 (+3.51%) Land $24,917 Building $184,131 | $627,144 (+3.51%) Land $74,751 Building $552,393 |
| 2021 | $16,037.00 Homeowner's exemption | $201,959 Land $24,072 Building $177,887 | $605,877 Land $72,216 Building $533,661 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 39W515 Lori 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 risk around 39W515 Lori Ln is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · above 42% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 374 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 | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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