520 Cumberland Trl, Elgin, IL 60123 Property Records

Kane County property record for 520 Cumberland Trl, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,406 sqft · built 1983
Lot Size	0.265 acres (11,551 sqft)
Owner	2 Individual Names on File
Last Sale	$270,000 (Jul 2020)
Tax Bill	$9,586 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-09-478-015`

Property Details

APN / Parcel Number

Primary APN	`06-09-478-015`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,406 sqft Living Area
Gross Area	3,513 sqft
Basement Area	1,107 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Construction Type	Frame
Foundation Type	Raised
Lot Area	11,551 sqft (0.265 acres)
Lot Width	183 ft Width
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	520 CUMBERLAND TRL
City	ELGIN
State	IL
Zip	60123-2670
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VALLEY CREEK UNIT 1 LOT 185
Legal Subdivision	VALLEY CREEK
Legal Block	3
Legal Lot Number	185
Legal Unit	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3023
Census Tract	851909

Owner

520 Cumberland Trl is owned and occupied by two individuals who bought it in July 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	520 CUMBERLAND TRL, ELGIN, IL 60123-2670
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Jul 12, 2022	Deed of Trust, Mortgage · Line of Credit ASSOCIATED BANK NA
Jul 13, 2020	Warranty Deed, Transfer · FHA Mortgage SUPREME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2020 · Amount on File
Deed Sale	Jul 13, 2020 · Amount on File
Prior Sale	Jun 24, 2016 · Amount on File
Deed Document Number	202037335
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	520 CUMBERLAND TRL, ELGIN, IL 60123-2670
Transaction Type	Mortgage
Record Updated	Jul 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000035580
Date	Jul 12, 2022
Instrument	2022K035580

Lender

Name	ASSOCIATED BANK NA
Type	Bank
Address	GREEN BAY, WI 54301

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jun 27, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 13, 2020
Property Address	520 CUMBERLAND TRL, ELGIN, IL 60123-2670
Document Number	0000037335
Instrument Date	Jun 29, 2020
Instrument	37335
Transaction Type	Transfer
Record Updated	Aug 10, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$405.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2352 S ELGIN ST ELGIN IL 60123, ELGIN, IL 60123

Mortgage

Document Number	37336
Date	Jul 13, 2020
Instrument	37336

Lender

Name	SUPREME LNDG
Address	DALLAS, TX 75254

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 12, 2050

Interest

Rate	2.87%

Tax Assessment & Valuation

The 2025 property tax bill for 520 Cumberland Trl was $9,586 with a homeowner's exemption.

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	$9,586.00 Homeowner's exemption	$133,651 (+8.57%) Land $34,594 Building $99,057	$401,113 (+8.57%) Land $103,824 Building $297,290
2024		$123,101 Land $31,863 Building $91,238	$369,451 Land $95,627 Building $273,824
2022	$8,272.00 (+4.4%) Homeowner's exemption	$101,407 (+6.96%) Land $26,248 Building $75,159	$304,221 (+6.96%) Land $78,744 Building $225,477
2021	$7,923.00 Homeowner's exemption	$94,808 Land $24,540 Building $70,268	$284,424 Land $73,620 Building $210,804

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 520 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 520 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 96% of the US · lower than 74% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 264 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	100 / 20

May also be available: T-Mobile.

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