39W579 Lori Ln, Elgin, IL 60124 Property Records

Kane County property record for 39W579 Lori Ln, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,566 sqft · built 2002
Lot Size	1.36 acres (59,242 sqft)
Owner	2 Individual Names on File
Last Sale	$551,000 (Sep 2022)
Tax Bill	$14,035 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-25-177-013`

Property Details

APN / Parcel Number

Primary APN	`05-25-177-013`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,566 sqft Living Area
Basement Area	1,715 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Combination
Construction Type	Frame
Lot Area	59,242 sqft
Garage Area	493 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	39W579 LORI LN
City	ELGIN
State	IL
Zip	60124-4316
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 OF WHISPERING OAKS ESTATES
Legal Subdivision	WHISPERING OAKS ESTATES
Legal Block	1
Legal Lot Number	3
Jurisdiction	KANE IL
Township / Civil Division	PLATO
Census Block Group	1
Census Block	1023
Census Tract	850711

Owner

39W579 Lori Ln is owned and occupied by two individuals who bought it in September 2022.

Source: Kane County records, as of July 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	39W579 LORI LN, ELGIN, IL 60124-4316
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2022 · Amount on File
Deed Sale	Sep 8, 2022 · Amount on File
Prior Sale	Dec 5, 2001 · Amount on File
Deed Document Number	202244878
Prior Transfer Date	Mar 13, 2004
Prior Transfer Doc	0000040107
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 8, 2022
Property Address	39W579 LORI LN, ELGIN, IL 60124-4316
Document Number	0000044878
Instrument Date	Jul 29, 2022
Instrument	2022K044878
Transaction Type	Transfer
Record Updated	Sep 14, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$551.00
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	39W579 LORI LN, ELGIN, IL 60124-4316

Mortgage

Document Number	0000044879
Date	Sep 8, 2022
Instrument	2022K044879

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Aug 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 39W579 Lori Ln was $14,035 with a homeowner's exemption.

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	$14,035.00 Homeowner's exemption	$215,220 (+7.79%) Land $33,762 Building $181,458	$645,918 (+7.79%) Land $101,327 Building $544,592
2024		$199,666 Land $31,322 Building $168,344	$599,238 Land $94,004 Building $505,234
2022	$11,993.00 (+4.79%) Homeowner's exemption	$144,637 (+3.51%) Land $24,917 Building $119,720	$433,911 (+3.51%) Land $74,751 Building $359,160
2021	$11,445.00 Disabled Person's exemption Veteran's exemption	$139,732 Land $24,072 Building $115,660	$419,196 Land $72,216 Building $346,980

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

FEMA maps place 39W579 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

Wildfire risk around 39W579 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.

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 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