585 Lancaster Cir, Elgin, IL 60123 Property Records

Kane County property record for 585 Lancaster Cir, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,251 sqft · built 1994
Owner	2 Company Names on Record
Last Sale	$138,000 (Jun 2018)
Tax Bill	$4,019 (2025)
Deeds & Mortgages	Sep 2025 Transfer Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-21-376-039`

Property Details

APN / Parcel Number

Primary APN	`06-21-376-039`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,251 sqft Living Area
1st Floor Area	1,251 sqft
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	585 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-A-585
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 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	585 LANCASTER CIR, ELGIN, IL 60123-5649
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2025	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Jul 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS
Jun 22, 2018	Warranty Deed, Transfer · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2018 · Amount on Record
Deed Sale	Jun 22, 2018 · Amount on Record
Prior Sale	Jun 16, 2014 · Amount on Record
Deed Document Number	201829890
Prior Transfer Date	Dec 31, 2003
Prior Transfer Doc	0000011862
Record Updated	Oct 29, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Sep 30, 2025
Property Address	585 LANCASTER CIR, ELGIN, IL 60123-5649
Document Number	0000037915
Map Reference	DOC 94K056585
Instrument Date	Sep 18, 2025
Instrument	2025K037915
Transaction Type	Transfer
Record Updated	Oct 13, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

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	585 LANCASTER CIR, ELGIN, IL 60123-5649

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	585 LANCASTER CIR, ELGIN, IL 60123-5649
Document Number	0000040474
Instrument Date	Jul 21, 2020
Transaction Type	Mortgage
Record Updated	Aug 12, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	585 LANCASTER CIR ELGIN IL 601235649, ELGIN, IL 60123-5649

Mortgage

Document Number	0000040474
Date	Jul 24, 2020
Instrument	40474

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2050

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 22, 2018
Property Address	585 LANCASTER CIR, ELGIN, IL 60123-5649
Document Number	0000029890
Instrument Date	Jun 7, 2018
Instrument	29890
Transaction Type	Transfer
Record Updated	Jul 6, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$207.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	585 LANCASTER CIR ELGIN IL 601235649, ELGIN, IL 60123-5649

Mortgage

Document Number	29891
Date	Jun 22, 2018
Instrument	29891

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 21, 2048

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	$4,019.00 (+4.88%) Homeowner's exemption	$60,682 (+8.57%) Land $16,479 Building $44,203	$182,119 (+8.57%) Land $49,457 Building $132,662
2024	$3,832.00 (+10.37%) Homeowner's exemption	$55,892 (+21.39%) Land $15,178 Building $40,714	$167,743 (+21.44%) Land $45,552 Building $122,191
2022	$3,472.00 (+5.05%) Homeowner's exemption	$46,042 (+6.96%) Land $12,503 Building $33,539	$138,126 (+6.96%) Land $37,509 Building $100,617
2021	$3,305.00 Homeowner's exemption	$43,046 Land $11,689 Building $31,357	$129,138 Land $35,067 Building $94,071

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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