39W526 Lori Ln, Elgin, IL 60124 Property Records

Kane County property record for 39W526 Lori Ln, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,544 sqft · built 1997
Lot Size	2.11 acres (92,347 sqft)
Owner	2 Individual Names on Record
Last Sale	$980,000 (Jul 2026)
Tax Bill	$15,020 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Oct 2025 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05-25-176-009`

Property Details

APN / Parcel Number

Primary APN	`05-25-176-009`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,544 sqft Living Area
1st Floor Area	2,544 sqft
Basement Area	1,943 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Stone
Construction Type	Frame
Lot Area	92,347 sqft
Garage Type	Carport
Garage Area	2,250 sqft
Carport	Carport
Carport Area	2,250 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	39W526 LORI LN
City	ELGIN
State	IL
Zip	60124-4315
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 IN WHISPERING OAK ESTATES (NOTE: SEE CERTIFICATE OF CORR DOC # 2000K082664 THAT SWITCHES LOTS 1 & 2 FROM ORIGINAL PLAT OF SUB)
Legal Subdivision	WHISPERING OAK ESTATES
Legal Block	1
Legal Lot Number	2
Jurisdiction	KANE IL
Township / Civil Division	PLATO
Census Block Group	1
Census Block	1017
Census Tract	850711

Owner

Source: Kane County records, as of July 30, 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	1007 FOREST DR, ELGIN, IL 60123-1329
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2026	Warranty Deed, Transfer · Conventional Mortgage STONEHAVEN MORTGAGE INC
Oct 8, 2025	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jan 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jan 6, 2020	Warranty Deed, Transfer LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2026 · Amount on Record
Deed Sale	Jul 21, 2026 · Amount on Record
Prior Sale	Oct 8, 2025 · Amount on Record
Deed Document Number	202630764
Prior Transfer Date	Jul 17, 1995
Prior Transfer Doc	0000074500
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 21, 2026
Property Address	39W526 LORI LN, ELGIN, IL 60124-4315
Document Number	0000030764
Instrument Date	Jul 16, 2026
Instrument	202630764
Transaction Type	Transfer
Record Updated	Jul 30, 2026
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$148,470.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1007 FOREST DR, ELGIN, IL 60123-1329

Mortgage

Document Number	0000030765,
Date	Jul 21, 2026
Instrument	202630765

Lender

Name	STONEHAVEN MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	7.5%
Initial Type	Fixed Rate
Max Rate	-1%

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 8, 2025
Property Address	39W526 LORI LN, ELGIN, IL 60124-4315
Document Number	0000039424
Instrument Date	Sep 29, 2025
Instrument	2025K039424
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$850.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	39W526 LORI LN, ELGIN, IL 60124-4315

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	39W526 LORI LN, ELGIN, IL 60124-4315
Transaction Type	Mortgage
Record Updated	Jul 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005881
Date	Jan 22, 2021
Instrument	2021K005881

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2036

Interest

Rate	2.87%

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 6, 2020
Property Address	39W526 LORI LN, ELGIN, IL 60124-4315
Document Number	0000000620
Instrument Date	Dec 4, 2019
Instrument	620
Transaction Type	Transfer
Record Updated	Jan 23, 2020
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$484.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	39W526 LORI LN ELGIN IL 601244315, ELGIN, IL 60124-4315

Mortgage

Document Number	621
Date	Jan 6, 2020
Instrument	621

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 5, 2050

Tax Assessment & Valuation

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	Plato Township
Unified School District	Central Community Unit School District 301 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$15,020.00 (-6.38%) Homeowner's exemption	$229,766 (+7.79%) Land $37,139 Building $192,627	$689,574 (+7.79%) Land $111,462 Building $578,112
2024	$16,043.00 (+11.6%) Homeowner's exemption	$213,161 (+23.8%) Land $34,455 Building $178,706	$639,739 (+23.85%) Land $103,406 Building $536,333
2022	$14,376.00 (+2.67%) Homeowner's exemption	$172,184 (+5.31%) Land $27,408 Building $144,776	$516,552 (+5.31%) Land $82,224 Building $434,328
2021	$14,002.00 Homeowner's exemption	$163,495 Land $26,479 Building $137,016	$490,485 Land $79,437 Building $411,048

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	Low lower than 95% of the US · lower than 70% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 126 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Astound Broadband.

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