605 Canyon Ln, Elgin, IL 60123 Property Records

Kane County property record for 605 Canyon Ln, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,745 sqft · built 1988
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on File
Last Sale	$249,000 (Apr 2014)
Tax Bill	$10,025 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-09-477-032`

Property Details

APN / Parcel Number

Primary APN	`06-09-477-032`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,745 sqft Living Area
Gross Area	3,552 sqft
Basement Area	807 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	13,504 sqft (0.31 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	605 CANYON LN
City	ELGIN
State	IL
Zip	60123-2523
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VALLEY CREEK UNIT 7 LOT 223
Legal Subdivision	VALLEY CREEK
Legal Block	3
Legal Lot Number	223
Legal Unit	7
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3024
Census Tract	851909

Owner

605 Canyon Ln is owned and occupied by two individuals who bought it in April 2014.

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

Owner of Record	2 Individual Names on File
Mailing Address	605 CANYON LN, ELGIN, IL 60123-2523
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Apr 28, 2022	Deed of Trust, Mortgage · Line of Credit KANE COUNTY TEACHERS CU
Jul 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2014 · Amount on File
Deed Sale	Apr 8, 2014 · Amount on File
Prior Sale	Dec 18, 1998 · Amount on File
Deed Document Number	201416492
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	605 CANYON LN, ELGIN, IL 60123-2523
Transaction Type	Mortgage
Record Updated	May 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023013
Date	Apr 28, 2022
Instrument	2022K023013

Lender

Name	KANE COUNTY TEACHERS CU
Type	Credit Union
Address	ELGIN, IL 60123

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	605 CANYON LN, ELGIN, IL 60123-2523
Transaction Type	Mortgage
Record Updated	Aug 9, 2021
Title Company	RAVENSWOOD TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000058322
Date	Jul 30, 2021
Instrument	2021K058322

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2036

Interest

Rate Type	Fixed Rate
Rate	2.62%

Tax Assessment & Valuation

The 2025 property tax bill for 605 Canyon Ln was $10,025 with a homeowner's exemption.

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	$10,025.00 Homeowner's exemption	$139,415 (+8.57%) Land $35,873 Building $103,542	$418,412 (+8.57%) Land $107,662 Building $310,750
2024		$128,410 Land $33,041 Building $95,369	$385,384 Land $99,163 Building $286,221
2022	$8,652.00 (+4.39%) Homeowner's exemption	$105,780 (+6.96%) Land $27,218 Building $78,562	$317,340 (+6.96%) Land $81,654 Building $235,686
2021	$8,288.00 Homeowner's exemption	$98,897 Land $25,447 Building $73,450	$296,691 Land $76,341 Building $220,350

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 605 Canyon Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Wildfire risk around 605 Canyon Ln is low, with less than a 0.01% annual chance of 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 264 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	100 / 20

May also be available: T-Mobile.

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