39W651 Lori Ln, Elgin, IL 60124 Property Records

Kane County property record for 39W651 Lori Ln, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,967 sqft · built 1999
Lot Size	0.53 acres (23,087 sqft)
Owner	Individual Name on Record
Last Sale	$315,000 (Dec 2016)
Tax Bill	$9,144 (2025)
Deeds & Mortgages	Jun 2026 Reverse Mortgage Nov 2025 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`05-25-177-004`

Property Details

APN / Parcel Number

Primary APN	`05-25-177-004`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,967 sqft Living Area
1st Floor Area	1,967 sqft
Basement Area	1,949 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Metal
Lot Area	23,087 sqft (0.53 acres)
Garage Type	Attached
Garage Area	688 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	39W651 LORI LN
City	ELGIN
State	IL
Zip	60124-8485
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TIMBER LANE SUB UNIT 1 - LOT 10
Legal Subdivision	TIMBER LANE SUB
Legal Block	1
Legal Lot Number	10
Legal Unit	1
Jurisdiction	KANE IL
Township / Civil Division	PLATO
Census Block Group	1
Census Block	1023
Census Tract	850711

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	Individual Name on Record
Mailing Address	39W651 LORI LN, ELGIN, IL 60124-8485
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2026	Deed of Trust, Mortgage · Reverse Mortgage FIFTH THIRD BANK
Nov 5, 2025	Deed of Trust, Mortgage · Line of Credit GREENSTATE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 5, 2016 · Amount on Record
Deed Sale	Dec 5, 2016 · Amount on Record
Prior Sale	Aug 19, 1996 · Amount on Record
Deed Document Number	201666924
Prior Transfer Date	Nov 2, 2016
Prior Transfer Doc	0000066924
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	Jun 4, 2026
Property Address	39W651 LORI LN, ELGIN, IL 60124-8485
Document Number	0000023093
Instrument Date	Apr 27, 2026
Instrument	202623093
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39W651 LORI LN, ELGIN, IL 60124-8485

Mortgage

Document Number	0000023093,
Date	Jun 4, 2026
Instrument	202623093

Lender

Name	FIFTH THIRD BANK

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 25, 2056

Interest

Rate	6.38%
Max Rate	-1%

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	39W651 LORI LN, ELGIN, IL 60124-8485
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000043833
Date	Nov 5, 2025
Instrument	2025K043833

Lender

Name	GREENSTATE CU
Type	Credit Union
Address	NORTH LIBERTY, IA 52317

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Nov 4, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$9,144.00 (-6.21%) Homeowner's exemption	$143,006 (+7.79%) Land $25,819 Building $117,187	$429,190 (+7.79%) Land $77,488 Building $351,702
2024	$9,749.00 (+1.9%)	$132,671 (+13.79%) Land $23,953 Building $108,718	$398,172 (+13.84%) Land $71,888 Building $326,285
2022	$9,567.00 (+5.32%) Homeowner's exemption	$116,593 (+7.78%) Land $19,577 Building $97,016	$349,779 (+7.78%) Land $58,731 Building $291,048
2021	$9,084.00 Homeowner's exemption	$108,176 Land $18,913 Building $89,263	$324,528 Land $56,739 Building $267,789

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 40 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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