Kane County property record for 523 Laurel St, Elgin, IL 60120
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,332 sqft · built 1900 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $122,000 (Aug 2017) |
| Tax Bill | $4,907 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Aug 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-13-455-005 |
| Primary APN | 06-13-455-005 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,332 sqft Living Area |
| Gross Area | 2,034 sqft |
| Basement Area | 702 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Construction Type | Frame |
| Lot Area | 6,098 sqft (0.14 acres) |
| Garage Type | Detached |
| Parking Spaces | 1 Parking Space |
| Street Address | 523 LAUREL ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-6626 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOME ADDN EAST 54 FT LOTS 1 & 2 BLOCK 4 |
| Legal Subdivision | HOME ADDN |
| Legal Block | 4 |
| Legal Lot Number | 1,2 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 2 |
| Census Block | 2009 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 523 LAUREL ST, ELGIN, IL 60120-6626 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Dec 17, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage PARKSIDE LENDING LLC |
| Aug 23, 2017 | Warranty Deed, Transfer · Conventional Mortgage EAGLE HOME MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 23, 2017 · Amount on Record |
| Deed Sale | Aug 23, 2017 · Amount on Record |
| Prior Sale | Jul 12, 2001 · Amount on Record |
| Deed Document Number | 201744182 |
| Prior Transfer Date | Jul 16, 2017 |
| Prior Transfer Doc | 0000044182 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Dec 17, 2020 |
| Property Address | 523 LAUREL ST, ELGIN, IL 60120-6626 |
| Document Number | 0000079245 |
| Instrument Date | Nov 18, 2020 |
| Instrument | 2020K079245 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2022 |
| Title Company | PRECISION TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 523 LAUREL ST, ELGIN, IL 60120-6626 |
| Document Number | 0000079246 |
|---|---|
| Date | Dec 17, 2020 |
| Instrument | 2020K079246 |
| Name | PARKSIDE LENDING LLC |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 1, 2035 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.75% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Aug 23, 2017 |
| Property Address | 523 LAUREL ST, ELGIN, IL 60120-6626 |
| Document Number | 0000044182 |
| Instrument Date | Jul 16, 2017 |
| Instrument | 2017K044182 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2022 |
| Title Company | HERITAGE TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $122.00 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 523 LAUREL ST, ELGIN, IL 60120-6626 |
| Document Number | 0000044183 |
|---|---|
| Date | Aug 23, 2017 |
| Instrument | 2017K044183 |
| Name | EAGLE HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.37% |
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 | $4,907.00 (+15.79%) Homeowner's exemption | $72,329 (+8.57%) Land $14,747 Building $57,582 | $217,074 (+8.57%) Land $44,259 Building $172,815 |
| 2024 | $66,620 (+21.39%) Land $13,583 Building $53,037 | $199,940 (+21.44%) Land $40,765 Building $159,175 | |
| 2022 | $4,238.00 (+4.85%) Homeowner's exemption | $54,879 (+6.96%) Land $11,189 Building $43,690 | $164,637 (+6.96%) Land $33,567 Building $131,070 |
| 2021 | $4,042.00 Homeowner's exemption | $51,308 Land $10,461 Building $40,847 | $153,924 Land $31,383 Building $122,541 |
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.
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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