513 Cumberland Trl, Elgin, IL 60123 Property Records

Kane County property record for 513 Cumberland Trl, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,858 sqft · built 1983
Lot Size	0.223 acres (9,728 sqft)
Owner	2 Trust Names on File
Last Sale	$187,500 (Feb 2001)
Tax Bill	$7,491 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-09-480-004`

Property Details

APN / Parcel Number

Primary APN	`06-09-480-004`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,858 sqft Living Area
Gross Area	2,458 sqft
1st Floor Area	1,858 sqft
Basement Area	600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Construction Type	Frame
Lot Area	9,728 sqft (0.223 acres)
Lot Dimensions	128 ft deep x 76 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	513 CUMBERLAND TRL
City	ELGIN
State	IL
Zip	60123-2669
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VALLEY CREEK UNIT 1 LOT 195
Legal Subdivision	VALLEY CREEK
Legal Block	3
Legal Lot Number	195
Legal Unit	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3022
Census Tract	851909

Owner

513 Cumberland Trl is owner-occupied and held in a trust since March 2018.

Source: Kane County records, as of July 23, 2026

Owner of Record	2 Trust Names on File
Mailing Address	513 CUMBERLAND TRL, ELGIN, IL 60123-2669
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage OLD SECOND NATIONAL BANK
Oct 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage OLD SECOND NATIONAL BANK OF AURORA
Apr 5, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 7, 2001 · Amount on File
Deed Sale	Feb 7, 2001 · Amount on File
Prior Sale	Nov 10, 1994
Deed Document Number	200111053
Last Transfer Date	Mar 8, 2018
Transfer Doc	0000015630
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	513 CUMBERLAND TRL, ELGIN, IL 60123-2669
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FOX TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000078760
Date	Dec 16, 2020
Instrument	2020K078760

Lender

Name	OLD SECOND NATIONAL BANK
Type	Bank
Address	AURORA, IL 60506

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	179 Months
Due	Nov 1, 2035

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	513 CUMBERLAND TRL, ELGIN, IL 60123-2669
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FOX TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000063041
Date	Oct 21, 2020
Instrument	2020K063041

Lender

Name	OLD SECOND NATIONAL BANK OF AURORA
Type	Bank
Address	AURORA, IL 60506

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2035

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Apr 5, 2018
Property Address	513 CUMBERLAND TRL, ELGIN, IL 60123-2669
Document Number	0000015630
Instrument Date	Mar 8, 2018
Instrument	15630
Transaction Type	Transfer
Record Updated	Apr 11, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	513 CUMBERLAND TRL ELGIN IL 601232669, ELGIN, IL 60123-2669

Tax Assessment & Valuation

The 2025 property tax bill for 513 Cumberland Trl was $7,491 with exemptions applied.

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	$7,491.00 Homeowner's exemption	$114,195 (+8.57%) Land $34,594 Building $79,601	$342,722 (+8.57%) Land $103,824 Building $238,899
2024		$105,181 Land $31,863 Building $73,318	$315,669 Land $95,627 Building $220,042
2022	$6,992.00 (+4.5%) Homeowner's exemption	$86,645 (+6.96%) Land $26,248 Building $60,397	$259,935 (+6.96%) Land $78,744 Building $181,191
2021	$6,691.00 Homeowner's exemption	$81,007 Land $24,540 Building $56,467	$243,021 Land $73,620 Building $169,401

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

FEMA maps place 513 Cumberland Trl in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Wildfire risk around 513 Cumberland Trl is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 79% 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 355 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, Fixed Wireless in parts of the area	100 / 20

May also be available: Fox Valley Internet.

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