534 Madison Ln, Elgin, IL 60123 Property Records

Kane County property record for 534 Madison Ln, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,370 sqft · built 2005
Lot Size	0.63 acres (2,730 sqft)
Owner	2 Individual Names on File
Last Sale	$155,000 (Jan 2014)
Tax Bill	$2,651 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Mar 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-09-453-077`

Property Details

APN / Parcel Number

Primary APN	`06-09-453-077`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,370 sqft Living Area
Gross Area	2,740 sqft
1st Floor Area	1,370 sqft
Basement Area	1,370 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Construction Type	Frame
Lot Area	2,730 sqft (0.63 acres)
Lot Dimensions	78 ft deep x 35 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	534 MADISON LN
City	ELGIN
State	IL
Zip	60123-2537
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MADISON HOMES OF ELGIN SUB LOT 3 (EX THE NLY 113 FT) AS DESC IN DOC 2007K091290
Legal Subdivision	MADISON HOMES OF ELGIN SUB
Legal Block	3
Legal Lot Number	3
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3026
Census Tract	851909

Owner

534 Madison Ln is owned and occupied by two individuals who bought it in January 2014.

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

Owner of Record	2 Individual Names on File
Mailing Address	534 MADISON LN, ELGIN, IL 60123-2537
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
Mar 30, 2026	Deed of Trust, Mortgage · VA Mortgage US BANK NA
Mar 22, 2022	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Jul 31, 2018	Loan Modification, Mortgage · Conventional Mortgage US BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2014 · Amount on File
Deed Sale	Jan 31, 2014 · Amount on File
Prior Sale	Sep 5, 2007 · Amount on File
Deed Document Number	20145247
Prior Transfer Date	Oct 11, 2011
Prior Transfer Doc	0000063329
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	534 MADISON LN, ELGIN, IL 60123-2537
Transaction Type	Mortgage
Record Updated	Apr 7, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	534 MADISON LN, ELGIN, IL 60123-2537

Mortgage

Document Number	0000012540
Date	Mar 30, 2026
Instrument	2026K012540

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

Interest

Rate	5.87%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	534 MADISON LN, ELGIN, IL 60123-2537
Transaction Type	Mortgage
Record Updated	Mar 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	534 MADISON LN, ELGIN, IL 60123-2537

Mortgage

Document Number	0000015852
Date	Mar 22, 2022
Instrument	2022K015852

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2052

July 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KANE IL
Property Address	534 MADISON LN, ELGIN, IL 60123-2537
Document Number	0000039184
Instrument Date	Jul 31, 2018
Transaction Type	Mortgage
Record Updated	Jan 14, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	534 MADISON LN ELGIN IL 601232537, ELGIN, IL 60123-2537

Mortgage

Document Number	0000039184
Date	Aug 13, 2018
Instrument	39184

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 12, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 534 Madison Ln was $2,651 with exemptions applied, down 4.7% from the year before.

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	$2,651.00 (-4.67%) Homeowner's exemption Senior Citizen's exemption	$87,684 (+8.57%) Land $28,236 Building $59,448	$263,157 (+8.57%) Land $84,742 Building $178,415
2024	$2,781.00	$80,762 Land $26,007 Building $54,755	$242,383 Land $78,052 Building $164,331
2022	$3,447.00 (-2.82%) Homeowner's exemption	$66,528 (+6.96%) Land $21,423 Building $45,105	$199,584 (+6.96%) Land $64,269 Building $135,315
2021	$3,547.00 Homeowner's exemption	$62,199 Land $20,029 Building $42,170	$186,597 Land $60,087 Building $126,510

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 534 Madison Ln 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 534 Madison Ln 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 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.

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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