Kane County property record for 527 Laurel St, Elgin, IL 60120
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,864 sqft · built 1900 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Company Names on Record |
| Tax Bill | $6,300 (2025) |
| Deeds & Mortgages | Aug 2026 Construction Loan Oct 2022 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-13-456-001 |
| Primary APN | 06-13-456-001 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,864 sqft Living Area |
| Gross Area | 2,796 sqft |
| Basement Area | 932 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Construction Type | Frame |
| Lot Area | 8,276 sqft (0.19 acres) |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Street Address | 527 LAUREL ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60120-6653 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CHARLES S MOSELEYS & ALFRED LAVIOIES SUB OF LOT 2 JAMES H & FULTON GIFFORDS ADDN NORTH 8 RODS LOT 9 |
| Legal Subdivision | JAMES H&FULTON GIFFORDS ADDN |
| Legal Block | 3 |
| Legal Lot Number | 2 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 851400 |
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 Company Names on Record |
|---|---|
| Mailing Address | 527 LAUREL ST, ELGIN, IL 60120-6653 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Aug 5, 2026 | Deed of Trust, Mortgage · Construction Mortgage FIRST STATE BANK |
| Oct 26, 2022 | Intrafamily Transfer, Transfer ATTORNEY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Sep 14, 2022 |
| Transfer Doc | 0000052209 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Aug 5, 2026 |
| Property Address | 527 LAUREL ST, ELGIN, IL 60120-6653 |
| Document Number | 0000033616 |
| Instrument Date | Aug 4, 2026 |
| Instrument | 202633616 |
| Transaction Type | Mortgage |
| Record Updated | Aug 13, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust, 165 |
| Address | 527 LAUREL ST, ELGIN, IL 60120-6653 |
| Document Number | 0000033616, |
|---|---|
| Date | Aug 5, 2026 |
| Instrument | 202633616 |
| Name | FIRST STATE BANK |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Aug 4, 2027 |
| Rate | 6.49% |
|---|---|
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Oct 26, 2022 |
| Property Address | 527 LAUREL ST, ELGIN, IL 60120-6653 |
| Document Number | 0000052209 |
| Instrument Date | Sep 14, 2022 |
| Instrument | 2022K052209 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 527 LAUREL ST, ELGIN, IL 60120-6653 |
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 | $6,300.00 (+15.83%) Homeowner's exemption | $90,585 (+8.57%) Land $16,491 Building $74,094 | $271,864 (+8.57%) Land $49,493 Building $222,371 |
| 2024 | $83,434 (+21.39%) Land $15,189 Building $68,245 | $250,402 (+21.44%) Land $45,585 Building $204,817 | |
| 2022 | $5,439.00 (+4.66%) Homeowner's exemption | $68,730 (+6.96%) Land $12,512 Building $56,218 | $206,190 (+6.96%) Land $37,536 Building $168,654 |
| 2021 | $5,197.00 Homeowner's exemption | $64,258 Land $11,698 Building $52,560 | $192,774 Land $35,094 Building $157,680 |
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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