537 Lismore Cir, Elgin, IL 60124 Property Records

Kane County property record for 537 Lismore Cir, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,698 sqft · built 2008
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$302,500 (Apr 2008)
Tax Bill	$11,291 (2025)
Deeds & Mortgages	May 2026 Line of Credit Apr 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-20-343-007`

Property Details

APN / Parcel Number

Primary APN	`06-20-343-007`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,698 sqft Living Area
Gross Area	3,842 sqft
Basement Area	1,144 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Construction Type	Frame
Foundation Type	Raised
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	537 LISMORE CIR
City	ELGIN
State	IL
Zip	60124-0224
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WATERFORD SUB NEIGHBORHOOD 2 LOT 120
Legal Subdivision	WATERFORD SUB
Legal Block	2
Legal Lot Number	120
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2006
Census Tract	851913

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	537 LISMORE CIR, ELGIN, IL 60124-0224
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 29, 2026	Deed of Trust, Mortgage · Line of Credit CONSUMERS CREDIT UNION
Apr 12, 2023	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
May 16, 2019	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2008 · Amount on Record
Deed Sale	Apr 10, 2008 · Amount on Record
Deed Document Number	200830475
Last Transfer Date	Mar 14, 2025
Transfer Doc	0000010906
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	May 29, 2026
Property Address	537 LISMORE CIR, ELGIN, IL 60124-0224
Document Number	0000022061
Instrument Date	May 21, 2026
Instrument	202622061
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	537 LISMORE CIR, ELGIN, IL 60124-0224

Mortgage

Document Number	0000022061,
Date	May 29, 2026
Instrument	202622061

Lender

Name	CONSUMERS CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 20, 2046

Interest

Rate	6.23%
Max Rate	-1%

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	537 LISMORE CIR, ELGIN, IL 60124-0224
Transaction Type	Mortgage
Record Updated	Apr 19, 2023
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	537 LISMORE CIR, ELGIN, IL 60124-0224

Mortgage

Document Number	0000011452
Date	Apr 12, 2023
Instrument	2023K011452

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

Interest

Rate	7.12%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	537 LISMORE CIR, ELGIN, IL 60124-0224
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019825
Date	May 16, 2019
Instrument	2019K019825

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 15, 2049

Interest

Rate Type	Adjustable Rate
Rate	5.34%
Change Frequency	Monthly

Tax Assessment & Valuation

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	Central Community Unit School District 301 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,291.00 (-2.12%)	$152,177 (+8.57%) Land $44,049 Building $108,128	$456,714 (+8.57%) Land $132,200 Building $324,514
2024	$11,536.00 (+10.67%)	$140,165 (+21.39%) Land $40,572 Building $99,593	$420,663 (+21.44%) Land $121,765 Building $298,899
2022	$10,424.00 Homeowner's exemption	$115,464 Land $33,422 Building $82,042	$346,392 Land $100,266 Building $246,126

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

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	1 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

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 235 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
AT&T Fiber	1,000 / 1,000

May also be available: Verizon.

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