581 Lancaster Cir, Elgin, IL 60123 Property Records

Kane County property record for 581 Lancaster Cir, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,392 sqft · built 1994
Owner	2 Individual Names on Record
Last Sale	$174,000 (Dec 2004)
Tax Bill	$4,624 (2025)
Deeds & Mortgages	Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-21-376-041`

Property Details

APN / Parcel Number

Primary APN	`06-21-376-041`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,392 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Townhouse
Construction Type	Frame
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	581 LANCASTER CIR
City	ELGIN
State	IL
Zip	60123-5649
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TOWNHOMES OF WOODBRIDGE UNIT 13-E-581
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, as of July 21, 2026

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 Record
Mailing Address	581 LANCASTER CIR, ELGIN, IL 60123-5649
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2004 · Amount on Record
Deed Sale	Dec 15, 2004 · Amount on Record
Prior Sale	Feb 14, 2001 · Amount on Record
Deed Document Number	2004160017
Prior Transfer Date	Sep 30, 2001
Prior Transfer Doc	0000110970
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	581 LANCASTER CIR, ELGIN, IL 60123-5649
Transaction Type	Mortgage
Record Updated	Jul 27, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031103
Date	Apr 21, 2021
Instrument	2021K031103

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2036

Interest

Rate Type	Fixed Rate
Rate	2.62%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 2025

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	$4,624.00 (+15.77%) Homeowner's exemption
2024		$63,201 (+21.39%) Land $15,178 Building $48,023	$189,679 (+21.44%) Land $45,552 Building $144,127
2022	$3,994.00 (+4.91%) Homeowner's exemption	$52,063 (+6.96%) Land $12,503 Building $39,560	$156,189 (+6.96%) Land $37,509 Building $118,680
2021	$3,807.00 Homeowner's exemption	$48,675 Land $11,689 Building $36,986	$146,025 Land $35,067 Building $110,958

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 74% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 429 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
Fox Valley Internet Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Verizon.

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