512 Madison Ln, Elgin, IL 60123 Property Records

Kane County property record for 512 Madison Ln, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,783 sqft · built 2005
Lot Size	0.53 acres (2,288 sqft)
Owner	Individual Name on Record
Last Sale	$280,000 (Sep 2023)
Tax Bill	$7,006 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Mar 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-09-376-034`

Property Details

APN / Parcel Number

Primary APN	`06-09-376-034`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,783 sqft Living Area
Gross Area	2,734 sqft
Basement Area	951 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Construction Type	Frame
Lot Area	2,288 sqft (0.53 acres)
Lot Dimensions	88 ft deep x 26 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	512 MADISON LN
City	ELGIN
State	IL
Zip	60123-2537
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MADISON HOMES OF ELGIN SUB LOT 1 AS DESC IN DOC 2006K108116
Legal Subdivision	MADISON HOMES OF ELGIN SUB
Legal Block	3
Legal Lot Number	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3026
Census Tract	851909

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	Individual Name on Record
Mailing Address	512 MADISON LN, ELGIN, IL 60123-2537
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2023	Warranty Deed, Transfer · VA Mortgage KEY MORTGAGE SERVICES INC
Mar 23, 2020	Warranty Deed, Transfer · VA Mortgage STEARNS LENDING LLC
Mar 21, 2019	Special Warranty Deed, Transfer · Conventional Mortgage STEARNS LENDING LLC
Aug 14, 2018	Deed in Lieu of Foreclosure, Foreclosure OTHER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 20, 2023 · Amount on Record
Deed Sale	Sep 20, 2023 · Amount on Record
Prior Sale	Mar 23, 2020 · Amount on Record
Deed Document Number	202332720
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 20, 2023
Property Address	512 MADISON LN, ELGIN, IL 60123-2537
Document Number	0000032720
Map Reference	DOC 2004K126735
Instrument Date	Aug 24, 2023
Instrument	2023K032720
Transaction Type	Transfer
Record Updated	Sep 27, 2023
Title Company	PROPER TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$280.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 MADISON LN, ELGIN, IL 60123-2537

Mortgage

Document Number	0000032721
Date	Sep 20, 2023
Instrument	2023K032721

Lender

Name	KEY MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.25%

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Mar 23, 2020
Property Address	512 MADISON LN, ELGIN, IL 60123-2537
Document Number	0000014592
Map Reference	DOC 2004K126735
Instrument Date	Feb 26, 2020
Instrument	2020K014592
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$213.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	512 MADISON LN, ELGIN, IL 60123-2537

Mortgage

Document Number	0000014593
Date	Mar 23, 2020
Instrument	2020K014593

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2050

Interest

Rate	3.25%

March 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	KANE IL
Recording Date	Mar 21, 2019
Property Address	512 MADISON LN, ELGIN, IL 60123-2537
Document Number	0000011019
Map Reference	DOC 2004K126735
Instrument Date	Feb 25, 2019
Instrument	2019K011019
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$179.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 MADISON LN, ELGIN, IL 60123-2537

Mortgage

Document Number	0000011020
Date	Mar 21, 2019
Instrument	2019K011020

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

Interest

Rate	4.5%

August 2018: Deed in Lieu of Foreclosure, Foreclosure

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	KANE IL
Recording Date	Aug 14, 2018
Property Address	512 MADISON LN, ELGIN, IL 60123-2537
Document Number	0000039679
Instrument Date	Aug 13, 2018
Instrument	39679
Transaction Type	Foreclosure
Record Updated	Aug 29, 2018
Title Company	OTHER

Transaction

Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Partnership
Address	200 WEST ST NEW YORK NY 102822102, NEW YORK, NY 10282-2102

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	$7,006.00 (+4.52%)	$102,343 (+8.57%) Land $28,236 Building $74,107	$307,152 (+8.57%) Land $84,742 Building $222,410
2024	$6,703.00 (+7.9%)	$94,264 (+21.39%) Land $26,007 Building $68,257	$282,905 (+21.44%) Land $78,052 Building $204,853
2022	$6,212.00 (+4.56%) Homeowner's exemption	$77,651 (+6.96%) Land $21,423 Building $56,228	$232,953 (+6.96%) Land $64,269 Building $168,684
2021	$5,941.00 Homeowner's exemption	$72,598 Land $20,029 Building $52,569	$217,794 Land $60,087 Building $157,707

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.

Flood

Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

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.

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 187 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Fox Valley Internet.

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