1. Home
  2. Illinois
  3. Elgin
  4. Laurel St

496 Laurel St, Elgin, IL 60120 Property Records

Kane County property record for 496 Laurel St, Elgin, IL 60120

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,926 sqft · built 1900
Lot Size0.175 acres (7,623 sqft)
Owner2 Company Names on File
Last Sale$274,500 (Apr 2021)
Tax Bill$6,287 (2025)
Deeds & MortgagesDec 2023 Transfer
Apr 2021 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN06-13-403-023

Property Details

APN / Parcel Number

Primary APN06-13-403-023

Interior

Bedrooms4 Beds
Full Baths2 Baths
Total Rooms10 Rooms
Stories2 Stories
Building Area1,926 sqft Living Area
Gross Area2,889 sqft
Basement Area963 sqft

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 1900
Construction TypeFrame
Lot Area7,623 sqft (0.175 acres)
Garage TypeDetached
Parking Spaces2 Parking Spaces

Location & Zoning

Street Address496 LAUREL ST
CityELGIN
StateIL
Zip60120-5940
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionWALDRON HEIRS SUB OF PART LOT 4 JAMES H & FULTON GIFFORDS ADDN LOT 1
Legal SubdivisionWALDRON HEIRS SUB
Legal Block2
Legal Lot Number4,1
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group2
Census Block2000
Census Tract851301

Owner

Source: Kane County records · APN 06-13-403-023

Assessment roll updated July 23, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Company Names on File
Mailing Address496 LAUREL ST, ELGIN, IL 60120-5940
Owner TypeCompany

Deeds, Mortgages & Sale History

DateDocument
Dec 08, 2023Intrafamily Transfer, Transfer
ATTORNEY ONLY, ATTORNEY
Apr 07, 2021Warranty Deed, Transfer · Conventional Mortgage
CARDINAL FINANCIAL COMPANY LP
Apr 16, 2019Quit Claim Deed, Transfer
CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 07, 2021 · Amount on Record
Deed SaleApr 07, 2021 · Amount on Record
Deed Document Number202127131
Prior Transfer DateNov 24, 2020
Prior Transfer Doc0000042944
Record UpdatedSep 20, 2026

December 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionKANE IL
Recording DateDec 08, 2023
Property Address496 LAUREL ST, ELGIN, IL 60120-5940
Document Number0000042944
Instrument DateNov 24, 2023
Instrument2023K042944
Transaction TypeTransfer
Record UpdatedDec 15, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3326 ERNST ST, FRANKLIN PARK, IL 60131-1506

April 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateApr 07, 2021
Property Address496 LAUREL ST, ELGIN, IL 60120-5940
Document Number0000027131
Instrument DateFeb 04, 2021
Instrument2021K027131
Transaction TypeTransfer
Record UpdatedJul 27, 2021
Title CompanyFIDELITY NATIONAL TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$274.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address512 SAINT CHARLES ST, 512, ELGIN, IL 60120-8088

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address496 LAUREL ST, ELGIN, IL 60120-5940

Mortgage

Document Number0000027132
DateApr 07, 2021
Instrument2021K027132
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term359 Months
DueMar 01, 2051
Interest
Rate TypeFixed Rate
Rate2.99%

April 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionKANE IL
Recording DateApr 16, 2019
Property Address496 LAUREL ST, ELGIN, IL 60120-5940
Document Number0000014675
Instrument DateMar 26, 2019
Instrument14675
Transaction TypeTransfer
Record UpdatedApr 24, 2019
Title CompanyCHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address496 LAUREL ST ELGIN IL 601206650, ELGIN, IL 60120-6650

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated July 23, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionElgin Township
MunicipalityElgin City
Unified School DistrictSchool 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.

YearTax BillAssessed ValueAssessed Market Value
2025$6,287.00 (+3.51%)$82,414 (+8.57%) Land $15,770 Building $66,644$247,341 (+8.57%) Land $47,329 Building $200,012
2024$6,074.00 (+20.92%)$75,908 (+31.03%) Land $14,525 Building $61,383$227,815 (+31.08%) Land $43,592 Building $184,223
2022$5,023.00 (+3.95%)$57,933 (+6.96%) Land $11,965 Building $45,968$173,799 (+6.96%) Land $35,895 Building $137,904
2021$4,832.00$54,163 Land $11,186 Building $42,977$162,489 Land $33,558 Building $128,931

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskLow
lower than 99.1% of the US · lower than 94% of Illinois
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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

ProviderMax 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 SystemELGIN
serves 114,797 people
Water SourceSurface water
Last State InspectionAug 2025
Lead19 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting8
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.

Nearby Properties on Laurel St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures