Kane County property record for 518 Laurel St, Elgin, IL 60120
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,550 sqft · built 1930 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $103,000 (Oct 1996) |
| Tax Bill | $6,098 (2025) |
| Deeds & Mortgages | Nov 2022 Line of Credit Jan 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-13-404-031 |
| Primary APN | 06-13-404-031 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 5 Stories |
| Building Area | 1,550 sqft Living Area |
| Gross Area | 2,583 sqft |
| Basement Area | 1,033 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Construction Type | Frame |
| Lot Area | 11,761 sqft (0.27 acres) |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Street Address | 518 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 WEST 50 FT EAST 100 FT OF LOT 7 & ALL LOT 5 |
| Legal Subdivision | ELGIN NATIONAL WATCH COMPANYS 2ND SUB |
| Legal Block | 2 |
| Legal Lot Number | 7,5 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 851301 |
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 | 518 LAUREL ST, ELGIN, IL 60120-6627 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 1, 2022 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| Jan 16, 2020 | Deed of Trust, Mortgage · Commercial Mortgage FIFTH THIRD BANK NA |
| Oct 30, 2018 | Deed of Trust, Mortgage · Commercial Mortgage FIFTH THIRD BANK WESTERN MICHIGAN |
| Oct 12, 2017 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BK/WSTN MI |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 11, 1996 · Amount on Record |
| Deed Sale | Oct 11, 1996 · Amount on Record |
| Deed Document Number | 199673098 |
| Last Transfer Date | Oct 7, 2008 |
| Transfer Doc | 0000087340 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 518 LAUREL ST, ELGIN, IL 60120-6627 |
| Transaction Type | Mortgage |
| Record Updated | Nov 7, 2022 |
| Name | Verified Name |
|---|---|
| Address | 518 LAUREL ST, ELGIN, IL 60120-6627 |
| Document Number | 0000053045 |
|---|---|
| Date | Nov 1, 2022 |
| Instrument | 2022K053045 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Oct 25, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 518 LAUREL ST, ELGIN, IL 60120-6627 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000003143 |
|---|---|
| Date | Jan 16, 2020 |
| Instrument | 2020K003143 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Dec 25, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 518 LAUREL ST, ELGIN, IL 60120-6627 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000053130 |
|---|---|
| Date | Oct 30, 2018 |
| Instrument | 2018K053130 |
| Name | FIFTH THIRD BANK WESTERN MICHIGAN |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Sep 25, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 518 LAUREL ST, ELGIN, IL 60120-6627 |
| Document Number | 0000058938 |
| Instrument Date | Oct 12, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2019 |
| Title Company | OTHER |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 512 LAUREL ST ELGIN IL 601206627, ELGIN, IL 60120-6627 |
| Document Number | 0000058938 |
|---|---|
| Date | Nov 9, 2017 |
| Instrument | 58938 |
| Name | FIFTH THIRD BK/WSTN MI |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 8, 2047 |
| Rate Type | Adjustable Rate |
|---|
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,098.00 (+15.82%) Homeowner's exemption | $87,944 (+8.57%) Land $15,763 Building $72,181 | $263,938 (+8.57%) Land $47,308 Building $216,630 |
| 2024 | $81,002 (+21.39%) Land $14,519 Building $66,483 | $243,103 (+21.44%) Land $43,574 Building $199,529 | |
| 2022 | $5,265.00 (+4.67%) Homeowner's exemption | $66,726 (+6.96%) Land $11,960 Building $54,766 | $200,178 (+6.96%) Land $35,880 Building $164,298 |
| 2021 | $5,030.00 Homeowner's exemption | $62,384 Land $11,182 Building $51,202 | $187,152 Land $33,546 Building $153,606 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 8, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 520 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 in parts of the area | 100 / 20 |
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