545 Lancaster Cir, Elgin, IL 60123 Property Records

Kane County property record for 545 Lancaster Cir, Elgin, IL 60123 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	1 bd · 1.5 ba · 1,585 sqft · built 1995
Owner	Individual Name on File
Last Sale	$226,000 (Nov 2021)
Tax Bill	$5,960 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-21-377-009`

Property Details

APN / Parcel Number

Primary APN	`06-21-377-009`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,585 sqft Living Area
Gross Area	2,396 sqft
Basement Area	811 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Townhouse
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	545 LANCASTER CIR
City	ELGIN
State	IL
Zip	60123-5648
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TOWNHOMES OF WOODBRIDGE BUILDING 15 UNIT 15-C-545
Legal Subdivision	WOODBRIDGE
Legal Block	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1011
Census Tract	851908

Owner

Source: Kane County records · APN 06-21-377-009

Assessment roll updated August 25, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	545 LANCASTER CIR, ELGIN, IL 60123-5648
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 23, 2021	Warranty Deed, Transfer · Conventional Mortgage POLISH & SLAVIC FCU
Aug 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage PLAZA HOME MORTGAGE INC
Nov 10, 2020	Deed of Trust, Mortgage · Line of Credit TCF NATIONAL BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 23, 2021 · Amount on Record
Deed Sale	Nov 23, 2021 · Amount on Record
Prior Sale	Oct 06, 2015 · Amount on Record
Deed Document Number	202188099
Prior Transfer Date	Jan 21, 2009
Prior Transfer Doc	0000006043
Record Updated	Sep 20, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Nov 23, 2021
Property Address	545 LANCASTER CIR, ELGIN, IL 60123-5648
Document Number	0000088099
Map Reference	DOC 94K056585
Instrument Date	Nov 23, 2021
Instrument	2021K088099
Transaction Type	Transfer
Record Updated	Dec 08, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$226.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	545 LANCASTER CIR # 1, 1, ELGIN, IL 60123-5648

Mortgage

Document Number	0000088100
Date	Nov 23, 2021
Instrument	2021K088100

Lender

Name	POLISH & SLAVIC FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 01, 2041

Interest

Rate Type	Fixed Rate
Rate	2.87%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	545 LANCASTER CIR, ELGIN, IL 60123-5648
Transaction Type	Mortgage
Record Updated	Jul 27, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000037236
Date	Aug 16, 2019
Instrument	2019K037236

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company
Address	ITASCA, IL 60143

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2049

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	545 LANCASTER CIR, ELGIN, IL 60123-5648
Transaction Type	Mortgage
Record Updated	Jul 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000068640
Date	Nov 10, 2020
Instrument	2020K068640

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 23, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,960.00 (+15.82%) Homeowner's exemption
2024		$79,334 (+21.39%) Land $14,316 Building $65,018	$238,097 (+21.44%) Land $42,965 Building $195,132
2022	$5,146.00 (+4.7%) Homeowner's exemption	$65,353 (+6.96%) Land $11,793 Building $53,560	$196,059 (+6.96%) Land $35,379 Building $160,680
2021	$4,915.00 Homeowner's exemption	$61,101 Land $11,026 Building $50,075	$183,303 Land $33,078 Building $150,225

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 422 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Radiate Holdings	Cable	1,500 / 50
AT&T	Fiber	1,000 / 1,000
Opiquad	Fixed Wireless (unlicensed)	100 / 20

May also be available at this address: T-Mobile USA, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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