489 Laurel St, #91, Elgin, IL 60120 Property Records

Kane County property record for 489 Laurel St, #91, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,833 sqft · built 1900
Lot Size	0.121 acres (5,280 sqft)
Owner	2 Company Names on Record
Tax Bill	$919 (2025)
Deeds & Mortgages	Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-13-452-002`

Property Details

APN / Parcel Number

Primary APN	`06-13-452-002`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,833 sqft Living Area
Gross Area	2,762 sqft
Basement Area	929 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Construction Type	Frame
Lot Area	5,280 sqft (0.121 acres)

Location & Zoning

Street Address	489 LAUREL ST, 91
City	ELGIN
State	IL
Zip	60120-6651
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOME ADDN LOT 8 BLOCK 1
Legal Subdivision	HOME ADDN
Legal Block	1
Legal Lot Number	8
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2008
Census Tract	851301

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 Company Names on Record
Mailing Address	489 LAUREL ST, ELGIN, IL 60120-6651
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Oct 7, 2014
Transfer Doc	0000053760
Record Updated	Sep 20, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	489 LAUREL ST # 91, 91, ELGIN, IL 60120-6651
Document Number	0000012842
Instrument Date	Mar 6, 2020
Transaction Type	Mortgage
Record Updated	Jun 26, 2020
Title Company	RAVENSWOOD TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	489 LAUREL ST ELGIN IL 601206651, ELGIN, IL 60120-6651

Mortgage

Document Number	0000012842
Date	Mar 11, 2020
Instrument	12842

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 10, 2050

Interest

Rate Type	Fixed Rate
Rate	3.62%

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	$919.00 (-63.68%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$67,118 (+8.57%) Land $13,812 Building $53,306	$201,435 (+8.57%) Land $41,453 Building $159,982
2024		$61,820 (+30.84%) Land $12,722 Building $49,098	$185,534 (+30.89%) Land $38,181 Building $147,353
2022	$2,530.00 (+48.91%) Homeowner's exemption	$47,248 (+6.96%) Land $10,480 Building $36,768	$141,744 (+6.96%) Land $31,440 Building $110,304
2021	$1,699.00 Homeowner's exemption	$44,173 Land $9,798 Building $34,375	$132,519 Land $29,394 Building $103,125

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

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable · Fiber in parts of the area	1,500 / 50
Verizon Fixed Wireless	300 / 20

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

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