Kane County property record for 554 Madison Ln, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,370 sqft · built 2007 |
| Lot Size | 0.7 acres (3,049 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $225,000 (Aug 2008) |
| Tax Bill | $2,064 (2025) |
| Deeds & Mortgages | May 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-09-453-089 |
| Primary APN | 06-09-453-089 |
|---|
| 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 |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Construction Type | Frame |
| Lot Area | 3,049 sqft (0.7 acres) |
| Lot Width | 35 ft Width |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|
| Street Address | 554 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 4 AS DESC IN DOC 2008K067726 |
| Legal Subdivision | MADISON HOMES OF ELGIN SUB |
| Legal Block | 3 |
| Legal Lot Number | 4 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3026 |
| Census Tract | 851909 |
Source: Kane County assessment roll, as of August 25, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 554 MADISON LN, ELGIN, IL 60123-2537 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 25, 2008 · Amount on Record |
| Deed Sale | Aug 25, 2008 · Amount on Record |
| Deed Document Number | 200867726 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 554 MADISON LN, ELGIN, IL 60123-2537 |
| Transaction Type | Mortgage |
| Record Updated | May 21, 2021 |
| Title Company | ACQUEST TITLE SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0000036718 |
|---|---|
| Date | May 11, 2021 |
| Instrument | 2021K036718 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Apr 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.87% |
Source: Kane County assessment roll, as of August 25, 2025
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,064.00 (-25.76%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption | ||
| 2024 | $81,343 (+21.39%) Land $26,007 Building $55,336 | $244,127 (+21.44%) Land $78,052 Building $166,074 | |
| 2022 | $2,780.00 (-2.8%) Disabled Person's exemption | $67,007 (+6.96%) Land $21,423 Building $45,584 | $201,021 (+6.96%) Land $64,269 Building $136,752 |
| 2021 | $2,860.00 Disabled Person's exemption | $62,647 Land $20,029 Building $42,618 | $187,941 Land $60,087 Building $127,854 |
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.
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.
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 |
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 |
| 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.
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 |
| Radiate Holdings Cable | 1,500 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Opiquad, T-Mobile USA.
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