495 Laurel St, Elgin, IL 60120 Property Records

Kane County property record for 495 Laurel St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,740 sqft · built 1895
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$240,000 (Aug 2022)
Tax Bill	$6,290 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-13-452-004`

Property Details

APN / Parcel Number

Primary APN	`06-13-452-004`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,740 sqft Living Area
Gross Area	2,610 sqft
Basement Area	870 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1895
Exterior Material	Brick
Lot Area	5,663 sqft (0.13 acres)
Lot Dimensions	80 ft deep x 66 ft wide
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Heating System	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	495 LAUREL ST
City	ELGIN
State	IL
Zip	60120-6651
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOME ADDN LOT 10 BLOCK 1
Legal Subdivision	HOME ADDN
Legal Block	1
Legal Lot Number	10
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2008
Census Tract	851301

Owner

Source: Kane County records · APN 06-13-452-004

Assessment roll updated August 25, 2025 · Last verified July 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 File
Mailing Address	495 LAUREL ST, ELGIN, IL 60120-6651
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 17, 2022 · Amount on Record
Deed Sale	Aug 17, 2022 · Amount on Record
Prior Sale	Sep 08, 2009 · Amount on Record
Deed Document Number	202241663
Record Updated	Sep 20, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 17, 2022
Property Address	495 LAUREL ST, ELGIN, IL 60120-6651
Document Number	0000041663
Instrument Date	Aug 04, 2022
Instrument	2022K041663
Transaction Type	Transfer
Record Updated	Aug 24, 2022
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	495 LAUREL ST, ELGIN, IL 60120-6651

Mortgage

Document Number	0000041664
Date	Aug 17, 2022
Instrument	2022K041664

Lender

Name	AMERICAN PORTFOLIO MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2052

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,290.00 (+15.82%) Homeowner's exemption
2024		$83,317 (+21.39%) Land $12,722 Building $70,595	$250,051 (+21.44%) Land $38,181 Building $211,870
2022	$5,431.00 (+4.66%) Homeowner's exemption	$68,634 (+6.96%) Land $10,480 Building $58,154	$205,902 (+6.96%) Land $31,440 Building $174,462
2021	$5,189.00 Homeowner's exemption	$64,168 Land $9,798 Building $54,370	$192,504 Land $29,394 Building $163,110

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 8, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

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 are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Radiate Holdings Cable	1,500 / 50
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

Based on FCC filings for 520 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ELGIN serves 114,797 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.