528 N Lyle Ave, Elgin, IL 60123 Property Records

Kane County property record for 528 N Lyle Ave, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,376 sqft · built 1980
Lot Size	0.189 acres (8,250 sqft)
Owner	2 Individual Names on File
Last Sale	$220,000 (Mar 2017)
Tax Bill	$7,734 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jul 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-09-481-012`

Property Details

APN / Parcel Number

Primary APN	`06-09-481-012`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,376 sqft Living Area
Gross Area	2,752 sqft
1st Floor Area	1,376 sqft
Basement Area	1,376 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Wood
Construction Type	Frame
Lot Area	8,250 sqft (0.189 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	528 N LYLE AVE
City	ELGIN
State	IL
Zip	60123-2606
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VALLEY CREEK UNIT 1 LOT 23
Legal Subdivision	VALLEY CREEK
Legal Block	3
Legal Lot Number	23
Legal Unit	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3030
Census Tract	851909

Owner

528 N Lyle Ave is owned and occupied by two individuals who bought it in March 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	528 N LYLE AVE, ELGIN, IL 60123-2606
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
Jan 19, 2022	Deed of Trust, Mortgage · FHA Mortgage PLANET HOME LENDING LLC
Jul 14, 2020	Loan Modification, Mortgage · FHA Mortgage PLANET HM LNDG
Mar 17, 2017	Warranty Deed, Transfer · Conventional Mortgage DEAPER AND KARMAR MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 17, 2017 · Amount on File
Deed Sale	Mar 17, 2017 · Amount on File
Prior Sale	Sep 30, 2009 · Amount on File
Deed Document Number	201713882
Prior Transfer Date	Mar 1, 2004
Prior Transfer Doc	0000027419
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	528 N LYLE AVE, ELGIN, IL 60123-2606
Transaction Type	Mortgage
Record Updated	Jan 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003519
Date	Jan 19, 2022
Instrument	2022K003519

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	MERIDEN, CT 06450

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

July 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KANE IL
Property Address	528 N LYLE AVE, ELGIN, IL 60123-2606
Document Number	0000043965
Instrument Date	Jul 14, 2020
Transaction Type	Mortgage
Record Updated	Sep 11, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	528 N LYLE AVE ELGIN IL 601232606, ELGIN, IL 60123-2606

Mortgage

Document Number	0000043965
Date	Aug 7, 2020
Instrument	43965

Lender

Name	PLANET HM LNDG
Address	MERIDEN, CT 06450

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 6, 2050

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Mar 17, 2017
Property Address	528 N LYLE AVE, ELGIN, IL 60123-2606
Document Number	0000013882
Instrument Date	Feb 27, 2017
Instrument	2017K013882
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$220.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	528 N LYLE AVE, 528, ELGIN, IL 60123-2606

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	528 N LYLE AVE, ELGIN, IL 60123-2606

Mortgage

Document Number	0000013883
Date	Mar 17, 2017
Instrument	2017K013883

Lender

Name	DEAPER AND KARMAR MORTGAGE CORP
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 528 N Lyle Ave was $7,734 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	$7,734.00 Homeowner's exemption	$109,377 (+8.57%) Land $34,594 Building $74,783	$328,262 (+8.57%) Land $103,824 Building $224,439
2024		$100,743 Land $31,863 Building $68,880	$302,350 Land $95,627 Building $206,723
2022	$6,675.00 (+4.53%) Homeowner's exemption	$82,989 (+6.96%) Land $26,248 Building $56,741	$248,967 (+6.96%) Land $78,744 Building $170,223
2021	$6,386.00 Homeowner's exemption	$77,589 Land $24,540 Building $53,049	$232,767 Land $73,620 Building $159,147

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 528 N Lyle Ave in Zone X, an area of minimal flood risk.

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
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 528 N Lyle Ave 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 97% of the US · lower than 79% 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.

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 355 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, Fixed Wireless in parts of the area	100 / 20

May also be available: Fox Valley Internet.

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