41 Lovell St, Elgin, IL 60120 Property Records

Kane County property record for 41 Lovell St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	1 ba · 864 sqft · built 1900
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on Record
Last Sale	$175,000 (Feb 2026)
Tax Bill	$3,454 (2025)
Deeds & Mortgages	Feb 2026 Sale Sep 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-11-403-014`

Property Details

APN / Parcel Number

Primary APN	`06-11-403-014`

Interior

Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
Gross Area	1,728 sqft
1st Floor Area	864 sqft
Basement Area	864 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	5,227 sqft (0.12 acres)

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	41 LOVELL ST
City	ELGIN
State	IL
Zip	60120-2814
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOVELLS SUB OF LOVELLS ADD LOT 1 (EX ELY 83.5 FT) BLK 10 SOUTH OF LINCOLN AVE
Legal Subdivision	LOVELLS ADD
Legal Block	10
Legal Lot Number	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3014
Census Tract	854600

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	31 LOVELL ST, ELGIN, IL 60120-2814
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2026	Warranty Deed, Transfer FIDELITY NATIONAL TITLE
Sep 12, 2023	Warranty Deed, Transfer · Conventional Mortgage KANE COUNTY TEACHERS CU
Apr 17, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 3, 2026 · Amount on Record
Deed Sale	Feb 3, 2026 · Amount on Record
Prior Sale	Sep 12, 2023 · Amount on Record
Deed Document Number	20264464
Prior Transfer Date	Jan 21, 2026
Prior Transfer Doc	0000004464
Record Updated	Oct 29, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Feb 3, 2026
Property Address	41 LOVELL ST, ELGIN, IL 60120-2814
Document Number	0000004464
Instrument Date	Jan 21, 2026
Instrument	2026K004464
Transaction Type	Transfer
Record Updated	Feb 11, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$175.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	31 LOVELL ST, ELGIN, IL 60120-2814

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 12, 2023
Property Address	41 LOVELL ST, ELGIN, IL 60120-2814
Document Number	0000031852
Instrument Date	Aug 12, 2023
Instrument	2023K031852
Transaction Type	Transfer
Record Updated	Sep 20, 2023
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$155.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 LOVELL ST, ELGIN, IL 60120-2814
Investor	Possibly a Property Investor

Mortgage

Document Number	0000031853
Date	Sep 12, 2023
Instrument	2023K031853

Lender

Name	KANE COUNTY TEACHERS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2053

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Apr 17, 2023
Property Address	41 LOVELL ST, ELGIN, IL 60120-2814
Document Number	0000011975
Instrument Date	Apr 3, 2023
Instrument	2023K011975
Transaction Type	Transfer
Record Updated	Apr 24, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	31 LOVELL ST, ELGIN, IL 60120-2814

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	$3,454.00 (+5.08%)	$53,282 (+8.57%) Land $14,696 Building $38,586	$159,910 (+8.57%) Land $44,106 Building $115,804
2024	$3,287.00 (+28.85%) Homeowner's exemption	$49,076 (+21.39%) Land $13,536 Building $35,540	$147,287 (+21.44%) Land $40,624 Building $106,663
2022	$2,551.00 (+6.74%) Homeowner's exemption	$40,428 (+6.96%) Land $11,151 Building $29,277	$121,284 (+6.96%) Land $33,453 Building $87,831
2021	$2,390.00 Homeowner's exemption	$37,797 Land $10,425 Building $27,372	$113,391 Land $31,275 Building $82,116

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 222 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
AT&T DSL	100 / 20

May also be available: T-Mobile, Verizon.

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