40W115 Oak Tree Ln, Elgin, IL 60124 Property Records

Kane County property record for 40W115 Oak Tree Ln, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,007 sqft · built 1988
Lot Size	1.28 acres (56,192 sqft)
Owner	2 Individual Names on Record
Last Sale	$351,500 (Nov 2003)
Tax Bill	$9,963 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Nov 2019 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-26-427-014`

Property Details

APN / Parcel Number

Primary APN	`05-26-427-014`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,007 sqft Living Area
1st Floor Area	2,007 sqft
Basement Area	1,513 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Ranch
Exterior Material	Stone
Construction Type	Frame
Foundation Type	Raised
Lot Area	56,192 sqft
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	40W115 OAK TREE LN
City	ELGIN
State	IL
Zip	60124-8348
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2 SUBDIVISION
Legal Subdivision	WESTWINDS
Legal Block	1
Legal Lot Number	2
Jurisdiction	KANE IL
Township / Civil Division	PLATO
Census Block Group	1
Census Block	1042
Census Tract	850709

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	2 Individual Names on Record
Mailing Address	40W115 OAK TREE LN, ELGIN, IL 60124-8348
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2022	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Nov 5, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CITIZENS BANK NA
Jun 20, 2019	Deed of Trust, Mortgage CITIZENS BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2003 · Amount on Record
Deed Sale	Nov 12, 2003 · Amount on Record
Prior Sale	Nov 18, 1998 · Amount on Record
Deed Document Number	2003197372
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	40W115 OAK TREE LN, ELGIN, IL 60124-8348
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000055295
Date	Nov 16, 2022
Instrument	2022K055295

Lender

Name	PNC BANK NA
Type	Bank
Address	HOBART, IN 46342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2037

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	40W115 OAK TREE LN, ELGIN, IL 60124-8348
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000053356
Date	Nov 5, 2019
Instrument	2019K053356

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	299 Months
Due	Oct 25, 2044

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	40W115 OAK TREE LN, ELGIN, IL 60124-8348
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025738
Date	Jun 20, 2019
Instrument	2019K025738

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Amount	Amount Recorded
Term	300 Months
Due	Jun 10, 2044

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	$9,963.00 (+2.2%) Homeowner's exemption	$155,107 (+7.79%) Land $33,762 Building $121,345	$465,507 (+7.79%) Land $101,327 Building $364,181
2024		$143,897 (+21.22%) Land $31,322 Building $112,575	$431,864 (+21.27%) Land $94,004 Building $337,860
2022	$9,749.00 (+5.08%) Homeowner's exemption	$118,705 (+7.56%) Land $24,917 Building $93,788	$356,115 (+7.56%) Land $74,751 Building $281,364
2021	$9,278.00 Homeowner's exemption	$110,365 Land $24,072 Building $86,293	$331,095 Land $72,216 Building $258,879

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 96% of the US · lower than 74% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 125 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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