Kane County property record for 492 Laurel St, Elgin, IL 60120
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,574 sqft · built 1872 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $215,000 (Mar 2021) |
| Tax Bill | $5,581 (2025) |
| Deeds & Mortgages | May 2021 Transfer Mar 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-13-403-022 |
| Primary APN | 06-13-403-022 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 5 Stories |
| Building Area | 1,574 sqft Living Area |
| Gross Area | 2,623 sqft |
| Basement Area | 1,049 sqft |
| Year Built | Built 1872 |
|---|---|
| Effective Year Built | Effective 1872 |
| Construction Type | Frame |
| Lot Area | 7,841 sqft (0.18 acres) |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|
| Street Address | 492 LAUREL ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-6650 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WALDRON HEIRS SUB. - LOT 2 |
| Legal Subdivision | WALDRON HEIRS SUB |
| Legal Block | 2 |
| Legal Lot Number | 2 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 851301 |
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 | 492 LAUREL ST, ELGIN, IL 60120-6650 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| May 4, 2021 | Intrafamily Transfer, Transfer |
| Mar 5, 2021 | Warranty Deed, Transfer · FHA Mortgage COMPASS MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 5, 2021 · Amount on Record |
| Deed Sale | Mar 5, 2021 · Amount on Record |
| Prior Sale | Mar 20, 2015 · Amount on Record |
| Deed Document Number | 202117430 |
| Last Transfer Date | Apr 23, 2021 |
| Transfer Doc | 0000034759 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | May 4, 2021 |
| Property Address | 492 LAUREL ST, ELGIN, IL 60120-6650 |
| Document Number | 0000034759 |
| Instrument Date | Apr 23, 2021 |
| Instrument | 2021K034759 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 492 LAUREL ST, ELGIN, IL 60120-6650 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Mar 5, 2021 |
| Property Address | 492 LAUREL ST, ELGIN, IL 60120-6650 |
| Document Number | 0000017430 |
| Instrument Date | Feb 13, 2021 |
| Instrument | 2021K017430 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | SATURN TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $215.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 492 LAUREL ST, ELGIN, IL 60120-6650 |
| Document Number | 0000017431 |
|---|---|
| Date | Mar 5, 2021 |
| Instrument | 2021K017431 |
| Name | COMPASS MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2051 |
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,581.00 (+12.72%) Homeowner's exemption Disabled Person's exemption | $83,167 (+8.57%) Land $15,770 Building $67,397 | $249,601 (+8.57%) Land $47,329 Building $202,272 |
| 2024 | $76,602 (+21.39%) Land $14,525 Building $62,077 | $229,898 (+21.44%) Land $43,592 Building $186,306 | |
| 2022 | $4,951.00 (+4.72%) Homeowner's exemption | $63,102 (+6.96%) Land $11,965 Building $51,137 | $189,306 (+6.96%) Land $35,895 Building $153,411 |
| 2021 | $4,728.00 Homeowner's exemption | $58,995 Land $11,186 Building $47,809 | $176,985 Land $33,558 Building $143,427 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 94% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 520 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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