596 N Lyle Ave, Elgin, IL 60123 Property Records

Kane County property record for 596 N Lyle Ave, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,101 sqft · built 1987
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on File
Last Sale	$327,500 (Jun 2021)
Tax Bill	$9,375 (2025)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Apr 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-09-427-031`

Property Details

APN / Parcel Number

Primary APN	`06-09-427-031`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,101 sqft Living Area
Gross Area	2,820 sqft
Basement Area	719 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Construction Type	Frame
Foundation Type	Raised
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	596 N LYLE AVE
City	ELGIN
State	IL
Zip	60123-2608
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VALLEY CREEK UNIT 6 LOT 163
Legal Subdivision	VALLEY CREEK
Legal Block	3
Legal Lot Number	163
Legal Unit	6
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3018
Census Tract	851909

Owner

596 N Lyle Ave is owned and occupied by two individuals who bought it in June 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	596 N LYLE AVE, ELGIN, IL 60123-2608
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2021	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Apr 19, 2021	Warranty Deed, Transfer MANT TITLE AGENCY, GMT TITLE AGENCY
Nov 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2021 · Amount on File
Deed Sale	Jun 23, 2021 · Amount on File
Prior Sale	Apr 19, 2021 · Amount on File
Deed Document Number	202147849
Prior Transfer Date	Jul 24, 1995
Prior Transfer Doc	0000046632
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 23, 2021
Property Address	596 N LYLE AVE, ELGIN, IL 60123-2608
Document Number	0000047849
Instrument Date	May 15, 2021
Instrument	2021K047849
Transaction Type	Transfer
Record Updated	Jul 9, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$327.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	596 N LYLE AVE, ELGIN, IL 60123-2608

Mortgage

Document Number	0000047850
Date	Jun 23, 2021
Instrument	2021K047850

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.99%

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 19, 2021
Property Address	596 N LYLE AVE, ELGIN, IL 60123-2608
Document Number	0000030440
Instrument Date	Apr 8, 2021
Instrument	2021K030440
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	MANT TITLE AGENCY, GMT TITLE AGENCY

Transaction

Amount	Amount on Record
Tax	$247.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	902 S RANDALL RD # C286, C286, SAINT CHARLES, IL 60174-1781

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	596 N LYLE AVE, ELGIN, IL 60123-2608
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CITYWIDE TITLE CORPORATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000069697
Date	Nov 13, 2020
Instrument	2020K069697

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Nov 1, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 596 N Lyle Ave was $9,375.

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	$9,375.00	$122,890 (+8.57%) Land $34,594 Building $88,296	$368,818 (+8.57%) Land $103,824 Building $264,994
2024		$113,189 Land $31,863 Building $81,326	$339,703 Land $95,627 Building $244,076
2022	$8,085.00 (+11.64%)	$93,242 (+6.96%) Land $26,248 Building $66,994	$279,726 (+6.96%) Land $78,744 Building $200,982
2021	$7,242.00 Homeowner's exemption	$87,175 Land $24,540 Building $62,635	$261,525 Land $73,620 Building $187,905

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

FEMA maps place 596 N Lyle Ave in Zone X, an area of minimal flood risk.

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

The area around 596 N Lyle Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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.

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