39W654 Lori Ln, Elgin, IL 60124 Property Records

Kane County property record for 39W654 Lori Ln, Elgin, IL 60124 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,505 sqft · built 2005
Lot Size	0.49 acres (21,344 sqft)
Owner	Individual Name on File
Last Sale	$62,000 (May 2002)
Tax Bill	$9,594 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Apr 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05-25-176-005`

Property Details

APN / Parcel Number

Primary APN	`05-25-176-005`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,505 sqft Living Area
1st Floor Area	2,505 sqft
Basement Area	2,505 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Combination
Lot Area	21,344 sqft (0.49 acres)
Garage Type	Attached
Garage Area	770 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	39W654 LORI LN
City	ELGIN
State	IL
Zip	60124-8410
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TIMBER LANE SUB UNIT 1 LOT 5
Legal Subdivision	TIMBER LANE SUB
Legal Block	1
Legal Lot Number	5
Legal Unit	1
Jurisdiction	KANE IL
Township / Civil Division	PLATO
Census Block Group	1
Census Block	1017
Census Tract	850711

Owner

Source: Kane County records · APN 05-25-176-005

Assessment roll updated August 25, 2025 · Last verified July 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 File
Mailing Address	39W654 LORI LN, ELGIN, IL 60124-8410
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2023	Deed of Trust, Mortgage · Line of Credit KANE COUNTY TEACHERS CU
Apr 08, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Mar 07, 2019	Deed of Trust, Mortgage · Line of Credit CREDIT UNION ONE
Aug 29, 2017	Quit Claim Deed, Transfer · Conventional with PMI PEOPLES HM EQUITY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 17, 2002 · Amount on Record
Deed Sale	May 17, 2002 · Amount on Record
Deed Document Number	200264165
Last Transfer Date	Jun 27, 2017
Transfer Doc	0000045403
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	39W654 LORI LN, ELGIN, IL 60124-8410
Transaction Type	Mortgage
Record Updated	Oct 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036263
Date	Oct 16, 2023
Instrument	2023K036263

Lender

Name	KANE COUNTY TEACHERS CU
Type	Credit Union
Address	ELGIN, IL 60123

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 15, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	39W654 LORI LN, ELGIN, IL 60124-8410
Transaction Type	Mortgage
Record Updated	Apr 19, 2021
Title Company	NOVAS TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000027508
Date	Apr 08, 2021
Instrument	2021K027508

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Dec 01, 2050

Interest

Rate Type	Fixed Rate
Rate	2.87%

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	39W654 LORI LN, ELGIN, IL 60124-8410
Document Number	0000010068
Instrument Date	Mar 07, 2019
Transaction Type	Mortgage
Record Updated	Mar 26, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39W654 LORI LN ELGIN IL 601248410, ELGIN, IL 60124-8410

Mortgage

Document Number	0000010068
Date	Mar 15, 2019
Instrument	10068

Lender

Name	CREDIT UNION ONE
Type	Credit Union
Address	RANTOUL, IL 61866

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Mar 14, 2039

Interest

Rate Type	Adjustable Rate

August 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Aug 29, 2017
Property Address	39W654 LORI LN, ELGIN, IL 60124-8410
Document Number	0000045403
Instrument Date	Jun 27, 2017
Instrument	45403
Transaction Type	Transfer
Record Updated	Sep 25, 2017
Title Company	FIDELITY NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39W654 LORI LN ELGIN IL 601248410, ELGIN, IL 60124-8410

Mortgage

Document Number	45404
Date	Aug 29, 2017
Instrument	45404

Lender

Name	PEOPLES HM EQUITY
Type	Funding / Finance Company
Address	BRENTWOOD, TN 37027

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 28, 2047

Interest

Rate Type	Fixed Rate
Rate	4.25%

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,594.00 (-3.19%) Homeowner's exemption
2024		$138,837 (+15.16%) Land $23,953 Building $114,884	$416,678 (+15.2%) Land $71,888 Building $344,790
2022	$9,910.00 (+5.34%) Homeowner's exemption	$120,562 (+7.81%) Land $19,577 Building $100,985	$361,686 (+7.81%) Land $58,731 Building $302,955
2021	$9,408.00 Homeowner's exemption	$111,828 Land $18,913 Building $92,915	$335,484 Land $56,739 Building $278,745

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 40 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20

May also be available at this address: Radiate Holdings, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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