Kane County property record for 512 Laurel St, Elgin, IL 60120
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,364 sqft · built 1900 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,906 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Feb 2026 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-13-404-030 |
| Primary APN | 06-13-404-030 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,364 sqft Living Area |
| Gross Area | 2,046 sqft |
| Basement Area | 682 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Construction Type | Frame |
| Lot Area | 11,761 sqft (0.27 acres) |
| Lot Dimensions | 232 ft deep x 50 ft wide |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Street Address | 512 LAUREL ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-6627 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ELGIN NATIONAL WATCH COMPANYS 2ND SUB LOT 4 |
| Legal Subdivision | ELGIN NATIONAL WATCH COMPANYS 2ND SUB |
| Legal Block | 2 |
| Legal Lot Number | 4 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 851301 |
Source: Kane County records · APN 06-13-404-030
Assessment roll updated December 26, 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 | 512 LAUREL ST, ELGIN, IL 60120-6627 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Jun 24, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK |
| Feb 17, 2026 | Intrafamily Transfer, Transfer |
| Nov 09, 2017 | Deed of Trust, Mortgage FIFTH THIRD BANK WESTERN MICHIGAN |
| Mar 10, 2021 | Intrafamily Transfer, Transfer · FHA Mortgage BOND STREET MORTGAGE LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 10, 2021 |
| Deed Sale | Mar 10, 2021 |
| Prior Sale | Sep 18, 2003 · Amount on Record |
| Deed Document Number | 202118807 |
| Prior Transfer Date | Jan 01, 2014 |
| Prior Transfer Doc | 0000004097 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jun 24, 2026 |
| Property Address | 512 LAUREL ST, ELGIN, IL 60120-6627 |
| Document Number | 0000026439 |
| Instrument Date | Jun 11, 2026 |
| Instrument | 202626439 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 512 LAUREL ST, ELGIN, IL 60120-6627 |
| Investor | Possibly a Property Investor |
| Document Number | 0000026440, |
|---|---|
| Date | Jun 24, 2026 |
| Instrument | 202626440 |
| Name | FIFTH THIRD BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.88% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Feb 17, 2026 |
| Property Address | 512 LAUREL ST, ELGIN, IL 60120-6627 |
| Document Number | 0000006174 |
| Instrument Date | Jan 30, 2026 |
| Instrument | 2026K006174 |
| Transaction Type | Transfer |
| Record Updated | Feb 26, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 512 LAURE STREET, ELGIN, IL 60120-6627 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 512 LAUREL ST, ELGIN, IL 60120-6627 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000058938 |
|---|---|
| Date | Nov 09, 2017 |
| Instrument | 2017K058938 |
| Name | FIFTH THIRD BANK WESTERN MICHIGAN |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Amount | Amount Recorded |
|---|---|
| Term | 359 Months |
| Due | Oct 25, 2047 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Mar 10, 2021 |
| Property Address | 512 LAUREL ST, ELGIN, IL 60120-6627 |
| Document Number | 0000018807 |
| Instrument Date | Jan 11, 2020 |
| Instrument | 2021K018807 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 512 LAUREL ST, ELGIN, IL 60120-6627 |
| Document Number | 0000018808 |
|---|---|
| Date | Mar 10, 2021 |
| Instrument | 2021K018808 |
| Name | BOND STREET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 352 Months |
| Due | Jul 01, 2050 |
Source: Kane County records · Assessment roll updated December 26, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
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 | $4,906.00 (+4.63%) Homeowner's exemption | ||
| 2024 | $4,689.00 (+10.67%) Homeowner's exemption | $66,603 (+21.39%) Land $14,519 Building $52,084 | $199,889 (+21.44%) Land $43,574 Building $156,315 |
| 2022 | $4,237.00 (+4.85%) Homeowner's exemption | $54,865 (+6.96%) Land $11,960 Building $42,905 | $164,595 (+6.96%) Land $35,880 Building $128,715 |
| 2021 | $4,041.00 Homeowner's exemption | $51,295 Land $11,182 Building $40,113 | $153,885 Land $33,546 Building $120,339 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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.
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.
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 |
| 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.
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