531 N Lyle Ave, Elgin, IL 60123 Property Records

Kane County property record for 531 N Lyle Ave, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,848 sqft · built 1982
Lot Size	0.189 acres (8,250 sqft)
Owner	Individual Name on File
Last Sale	$328,000 (Dec 2021)
Tax Bill	$8,237 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Aug 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`06-09-478-005`

Property Details

APN / Parcel Number

Primary APN	`06-09-478-005`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,848 sqft Living Area
1st Floor Area	1,848 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	8,250 sqft (0.189 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	531 N LYLE AVE
City	ELGIN
State	IL
Zip	60123-2605
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VALLEY CREEK UNIT 1 LOT 180
Legal Subdivision	VALLEY CREEK
Legal Block	3
Legal Lot Number	180
Legal Unit	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3023
Census Tract	851909

Owner

531 N Lyle Ave is owned and occupied by an individual who bought it in December 2021.

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

Owner of Record	Individual Name on File
Mailing Address	531 N LYLE AVE, ELGIN, IL 60123-2605
Occupancy	Owner Occupied
Owner Type	Individual

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
Dec 16, 2021	Warranty Deed, Transfer · Conventional Mortgage ASSOCIATED BANK NA
Aug 21, 2017	Warranty Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 16, 2021 · Amount on File
Deed Sale	Dec 16, 2021 · Amount on File
Prior Sale	Aug 21, 2017 · Amount on File
Deed Document Number	202193375
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 16, 2021
Property Address	531 N LYLE AVE, ELGIN, IL 60123-2605
Document Number	0000093375
Instrument Date	Dec 6, 2021
Instrument	2021K093375
Transaction Type	Transfer
Record Updated	Dec 28, 2021
Title Company	BAIRD AND WARNER TITLE SERVICES INC, BAIRD & WARNER TTL SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$328.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	531 N LYLE AVE, ELGIN, IL 60123-2605

Mortgage

Document Number	0000093376
Date	Dec 16, 2021
Instrument	2021K093376

Lender

Name	ASSOCIATED BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 21, 2017
Property Address	531 N LYLE AVE, ELGIN, IL 60123-2605
Document Number	0000043601
Instrument Date	Aug 3, 2017
Instrument	43601
Transaction Type	Transfer
Record Updated	Sep 25, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Tax	$352.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1 LOCKMAN CIR ELGIN IL 601231266, ELGIN, IL 60123-1266

Tax Assessment & Valuation

The 2025 property tax bill for 531 N Lyle Ave was $8,237 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	$8,237.00 Homeowner's exemption	$115,970 (+8.57%) Land $34,594 Building $81,376	$348,049 (+8.57%) Land $103,824 Building $244,226
2024		$106,816 Land $31,863 Building $74,953	$320,576 Land $95,627 Building $224,949
2022	$7,109.00 (+4.48%) Homeowner's exemption	$87,991 (+6.96%) Land $26,248 Building $61,743	$263,973 (+6.96%) Land $78,744 Building $185,229
2021	$6,804.00 Homeowner's exemption	$82,265 Land $24,540 Building $57,725	$246,795 Land $73,620 Building $173,175

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 531 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

The area around 531 N Lyle Ave has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 543 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

May also be available: Fox Valley Internet, T-Mobile.

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