554 N Lyle Ave, Elgin, IL 60123 Property Records

Kane County property record for 554 N Lyle Ave, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,876 sqft · built 1986
Lot Size	0.184 acres (8,013 sqft)
Owner	2 Company Names on Record
Last Sale	$204,000 (Aug 2001)
Tax Bill	$8,240 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Nov 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-09-452-015`

Property Details

APN / Parcel Number

Primary APN	`06-09-452-015`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,876 sqft Living Area
Gross Area	2,634 sqft
Basement Area	758 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Construction Type	Frame
Foundation Type	Raised
Lot Area	8,013 sqft (0.184 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	554 N LYLE AVE
City	ELGIN
State	IL
Zip	60123-2698
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VALLEY CREEK UNIT 2 LOT 1
Legal Subdivision	VALLEY CREEK
Legal Block	3
Legal Lot Number	1
Legal Unit	2
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3017
Census Tract	851909

Owner

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

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

Owner of Record	2 Company Names on Record
Mailing Address	554 N LYLE AVE, ELGIN, IL 60123-2698
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Nov 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage INLANTA MORTGAGE INC
Jul 9, 2020	Affidavit of Death of Joint Tenant, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 27, 2001 · Amount on Record
Deed Sale	Aug 27, 2001 · Amount on Record
Deed Document Number	200188467
Last Transfer Date	Jun 19, 2020
Transfer Doc	0000036867
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	554 N LYLE AVE, ELGIN, IL 60123-2698
Transaction Type	Mortgage
Record Updated	Nov 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000081737
Date	Oct 29, 2021
Instrument	2021K081737

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2036

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	554 N LYLE AVE, ELGIN, IL 60123-2698
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000055929
Date	Nov 16, 2018
Instrument	2018K055929

Lender

Name	INLANTA MORTGAGE INC
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2048

July 2020: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	KANE IL
Recording Date	Jul 9, 2020
Property Address	554 N LYLE AVE, ELGIN, IL 60123-2698
Document Number	0000036867
Instrument Date	Jun 19, 2020
Instrument	2020K036867
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	554 N LYLE AVE, ELGIN, IL 60123-2698

Mortgage

Document Number	0000036868
Date	Jul 9, 2020
Instrument	2020K036868

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2035

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	School District U-46 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,240.00 (+7.87%)	$124,019 (+8.57%) Land $34,594 Building $89,425	$372,206 (+8.57%) Land $103,824 Building $268,382
2024		$114,229 (+21.39%) Land $31,863 Building $82,366	$342,824 (+21.44%) Land $95,627 Building $247,197
2022	$7,639.00 (+4.46%) Homeowner's exemption	$94,098 (+6.96%) Land $26,248 Building $67,850	$282,294 (+6.96%) Land $78,744 Building $203,550
2021	$7,313.00 Homeowner's exemption	$87,975 Land $24,540 Building $63,435	$263,925 Land $73,620 Building $190,305

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	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

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.

Nearby Properties on N Lyle Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures