4 White Oak Ln, Elgin, IL 60123 Property Records

Kane County property record for 4 White Oak Ln, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,555 sqft · built 1987
Lot Size	0.7 acres (3,049 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (Aug 2022)
Tax Bill	$6,976 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-04-400-050`

Property Details

APN / Parcel Number

Primary APN	`06-04-400-050`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,555 sqft Living Area
Gross Area	2,455 sqft
1st Floor Area	1,555 sqft
Basement Area	900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Construction Type	Frame
Foundation Type	Raised
Lot Area	3,049 sqft (0.7 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	4 WHITE OAK LN
City	ELGIN
State	IL
Zip	60123-2201
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING OAKS SUB - PT LOT 1 AS DESC IN DOC 1830737
Legal Subdivision	SPRING OAKS SUB
Legal Block	1
Legal Lot Number	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1006
Census Tract	851910

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	4 WHITE OAK LN, ELGIN, IL 60123-2201
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 16, 2022 · Amount on Record
Deed Sale	Aug 16, 2022 · Amount on Record
Prior Sale	Oct 1, 2002 · Amount on Record
Deed Document Number	202241435
Prior Transfer Date	Jan 16, 2015
Prior Transfer Doc	0000005027
Record Updated	Oct 29, 2026

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	Aug 16, 2022
Property Address	4 WHITE OAK LN, ELGIN, IL 60123-2201
Document Number	0000041435
Instrument Date	Aug 2, 2022
Instrument	2022K041435
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$260.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 WHITE OAK LN, ELGIN, IL 60123-2201

Mortgage

Document Number	0000041436
Date	Aug 16, 2022
Instrument	2022K041436

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Fixed Rate
Rate	5.62%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	Elgin Township
Municipality	Elgin City
Unified School District	School District U-46 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,976.00 (+24.82%) Homeowner's exemption	$99,450 (+8.57%) Land $28,034 Building $71,416	$298,469 (+8.57%) Land $84,136 Building $214,334
2024		$91,600 (+21.4%) Land $25,821 Building $65,779	$274,910 (+21.44%) Land $77,494 Building $197,416
2022	$5,589.00 (+83.67%) Homeowner's exemption	$75,456 (+6.96%) Land $21,270 Building $54,186	$226,368 (+6.96%) Land $63,810 Building $162,558
2021	$3,043.00 Homeowner's exemption	$70,546 Land $19,886 Building $50,660	$211,638 Land $59,658 Building $151,980

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

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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 206 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Fox Valley Internet, T-Mobile.

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