535 N Lyle Ave, Elgin, IL 60123 Property Records

Kane County property record for 535 N Lyle Ave, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,816 sqft · built 1980
Lot Size	0.177 acres (7,700 sqft)
Owner	Individual Name on File
Last Sale	$143,000 (Apr 2013)
Tax Bill	$8,122 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Sep 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-09-478-004`

Property Details

APN / Parcel Number

Primary APN	`06-09-478-004`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,816 sqft Living Area
Gross Area	2,724 sqft
Basement Area	908 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Construction Type	Frame
Lot Area	7,700 sqft (0.177 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	535 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 179
Legal Subdivision	VALLEY CREEK
Legal Block	3
Legal Lot Number	179
Legal Unit	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3023
Census Tract	851909

Owner

535 N Lyle Ave is owned and occupied by an individual who bought it in April 2013.

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

Owner of Record	Individual Name on File
Mailing Address	535 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
Jan 24, 2022	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA
Sep 21, 2017	Deed of Trust, Mortgage · Line of Credit KANE COUNTY TEACHERS CU
Dec 12, 2019	Deed of Trust, Mortgage · Line of Credit KANE COUNTY TEACHERS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 24, 2013 · Amount on File
Deed Sale	Apr 24, 2013 · Amount on File
Prior Sale	Mar 12, 2013
Deed Document Number	201330411
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	535 N LYLE AVE, ELGIN, IL 60123-2605
Transaction Type	Mortgage
Record Updated	Jan 28, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	535 N LYLE AVE, ELGIN, IL 60123-2605

Mortgage

Document Number	0000004423
Date	Jan 24, 2022
Instrument	2022K004423

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	256 Months
Due	May 1, 2043

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	535 N LYLE AVE, ELGIN, IL 60123-2605
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000049534
Date	Sep 21, 2017
Instrument	2017K049534

Lender

Name	KANE COUNTY TEACHERS CU
Type	Credit Union
Address	ELGIN, IL 60123

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Sep 20, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	535 N LYLE AVE, ELGIN, IL 60123-2605
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000060426
Date	Dec 12, 2019
Instrument	2019K060426

Lender

Name	KANE COUNTY TEACHERS CU
Type	Credit Union
Address	ELGIN, IL 60123

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 11, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 535 N Lyle Ave was $8,122 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	$8,122.00 Homeowner's exemption	$114,464 (+8.57%) Land $34,594 Building $79,870	$343,529 (+8.57%) Land $103,824 Building $239,706
2024		$105,428 Land $31,863 Building $73,565	$316,411 Land $95,627 Building $220,783
2022	$7,010.00 (+4.5%) Homeowner's exemption	$86,848 (+6.96%) Land $26,248 Building $60,600	$260,544 (+6.96%) Land $78,744 Building $181,800
2021	$6,708.00 Homeowner's exemption	$81,197 Land $24,540 Building $56,657	$243,591 Land $73,620 Building $169,971

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 535 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 535 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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