39W691 Lori Ln, Elgin, IL 60124 Property Records

Kane County property record for 39W691 Lori Ln, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,640 sqft · built 1978
Lot Size	0.53 acres (23,087 sqft)
Owner	2 Individual Names on File
Tax Bill	$7,031 (2025)
Deeds & Mortgages	Jan 2026 Second Mortgage Jan 2026 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`05-25-177-010`

Property Details

APN / Parcel Number

Primary APN	`05-25-177-010`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,640 sqft Living Area
1st Floor Area	2,640 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Split Level
Exterior Material	Metal
Construction Type	Frame
Lot Area	23,087 sqft (0.53 acres)
Garage Type	Carport
Garage Area	648 sqft
Carport	Carport
Carport Area	648 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	39W691 LORI LN
City	ELGIN
State	IL
Zip	60124-8485
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	12 LANE SUB
Legal Subdivision	TIMBER LANE
Legal Block	1
Legal Lot Number	12
Jurisdiction	KANE IL
Township / Civil Division	PLATO
Census Block Group	1
Census Block	1023
Census Tract	850711

Owner

39W691 Lori Ln is owned and occupied by two individuals who acquired it in May 2012.

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

Owner of Record	2 Individual Names on File
Mailing Address	39W691 LORI LN, ELGIN, IL 60124-8485
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Jan 12, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage KANE COUNTY TEACHERS CU
Jan 20, 2026	Transfer on Death Deed, Transfer ATTORNEY ONLY, ATTORNEY
Aug 24, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage KANE COUNTY TEACHERS CU
Oct 4, 2018	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jan 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2012
Deed Sale	May 14, 2012
Prior Sale	May 30, 1997 · Amount on File
Deed Document Number	201231149
Prior Transfer Date	May 28, 1997
Prior Transfer Doc	0000034764
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	39W691 LORI LN, ELGIN, IL 60124-8485
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001508
Date	Jan 12, 2026
Instrument	2026K001508

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	58 Months
Due	Nov 14, 2030

January 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	KANE IL
Recording Date	Jan 20, 2026
Property Address	39W691 LORI LN, ELGIN, IL 60124-8485
Document Number	0000002561
Instrument Date	Jan 5, 2026
Instrument	2026K002561
Transaction Type	Transfer
Record Updated	Jan 29, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	39W691 LORI LN, ELGIN, IL 60124-8485

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39W691 LORI LN, ELGIN, IL 60124-8485

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	39W691 LORI LN, ELGIN, IL 60124-8485
Transaction Type	Mortgage
Record Updated	Aug 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029244
Date	Aug 24, 2023
Instrument	2023K029244

Lender

Name	KANE COUNTY TEACHERS CU
Type	Credit Union
Address	ELGIN, IL 60124

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	95 Months
Due	Jul 24, 2031

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	39W691 LORI LN, ELGIN, IL 60124-8485
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE SOURCE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000048705
Date	Oct 4, 2018
Instrument	2018K048705

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2048

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	39W691 LORI LN, ELGIN, IL 60124-8485
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CITYWIDE TITLE CORP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004412
Date	Jan 19, 2021
Instrument	2021K004412

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 39W691 Lori Ln was $7,031 with a homeowner's exemption, down 6.1% from the year before.

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	$7,031.00 (-6.07%) Homeowner's exemption	$111,805 (+7.79%) Land $25,819 Building $85,986	$335,549 (+7.79%) Land $77,488 Building $258,061
2024	$7,485.00 Homeowner's exemption	$103,725 Land $23,953 Building $79,772	$311,300 Land $71,888 Building $239,412
2022	$6,950.00 (+5.16%) Homeowner's exemption	$86,346 (+7.47%) Land $19,577 Building $66,769	$259,038 (+7.47%) Land $58,731 Building $200,307
2021	$6,609.00 Homeowner's exemption	$80,346 Land $18,913 Building $61,433	$241,038 Land $56,739 Building $184,299

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

Flood

FEMA maps place 39W691 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

The area around 39W691 Lori Ln has no burnable land within ember reach, so its wildfire risk is not rated.

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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