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517 Cumberland Trl, Elgin, IL 60123 Property Records

Kane County property record for 517 Cumberland Trl, Elgin, IL 60123

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 2,516 sqft · built 1981
Lot Size0.201 acres (8,760 sqft)
OwnerIndividual Name on Record
Last Sale$315,000 (Aug 2021)
Tax Bill$8,228 (2025)
Deeds & MortgagesAug 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN06-09-480-003

Property Details

APN / Parcel Number

Primary APN06-09-480-003

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms5 Rooms
Stories1 Story
Building Area2,516 sqft Living Area
1st Floor Area2,516 sqft

Exterior

Year BuiltBuilt 1981
Effective Year BuiltEffective 1981
Construction TypeFrame
Lot Area8,760 sqft (0.201 acres)
Lot Dimensions120 ft deep x 73 ft wide
Garage TypeAttached
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemHVAC

Location & Zoning

Street Address517 CUMBERLAND TRL
CityELGIN
StateIL
Zip60123-2669
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionVALLEY CREEK UNIT 1 LOT 194
Legal SubdivisionVALLEY CREEK
Legal Block3
Legal Lot Number194
Legal Unit1
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group3
Census Block3022
Census Tract851909

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 RecordIndividual Name on Record
Mailing Address517 CUMBERLAND TRL, ELGIN, IL 60123-2669
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 9, 2021 · Amount on Record
Deed SaleAug 9, 2021 · Amount on Record
Prior SaleMar 9, 2016 · Amount on Record
Deed Document Number202160622
Prior Transfer DateMay 5, 2013
Prior Transfer Doc0000041258
Record UpdatedOct 29, 2026

August 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateAug 9, 2021
Property Address517 CUMBERLAND TRL, ELGIN, IL 60123-2669
Document Number0000060622
Instrument DateJul 25, 2021
Instrument2021K060622
Transaction TypeTransfer
Record UpdatedAug 17, 2021
Title CompanyTRULY TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$315.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address128 R ALDINE ST, R, ELGIN, IL 60123

Mortgage

Document Number0000060623
DateAug 9, 2021
Instrument2021K060623
Lender
NameCROWN MORTGAGE CO
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 1, 2051

Tax Assessment & Valuation

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionElgin Township
MunicipalityElgin City
Unified School DistrictSchool District U-46 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$8,228.00 (+15.85%) Homeowner's exemption$115,861 (+8.57%) Land $34,594 Building $81,267$347,722 (+8.57%) Land $103,824 Building $243,899
2024$106,715 (+21.39%) Land $31,863 Building $74,852$320,273 (+21.44%) Land $95,627 Building $224,646
2022$7,102.00 Homeowner's exemption$87,908 (+6.96%) Land $26,248 Building $61,660$263,724 (+6.96%) Land $78,744 Building $184,980
2021$82,188 Land $24,540 Building $57,648$246,564 Land $73,620 Building $172,944

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies3 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 RiskLow
lower than 97% of the US · lower than 79% of Illinois
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemELGIN
serves 114,797 people · EPA ID IL0894380
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, 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

ProviderMax 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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