609 N Lyle Ave, Elgin, IL 60123 Property Records

Kane County property record for 609 N Lyle Ave, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,440 sqft · built 1987
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Company Names on File
Last Sale	$360,000 (Jan 2026)
Tax Bill	$7,594 (2025)
Deeds & Mortgages	Sep 2026 Sale Apr 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-09-428-009`

Property Details

APN / Parcel Number

Primary APN	`06-09-428-009`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,440 sqft Living Area
Gross Area	2,880 sqft
1st Floor Area	1,440 sqft
Basement Area	1,440 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Construction Type	Frame
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	609 N LYLE AVE
City	ELGIN
State	IL
Zip	60123-2607
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VALLEY CREEK UNIT 6 LOT 153
Legal Subdivision	VALLEY CREEK
Legal Block	3
Legal Lot Number	153
Legal Unit	6
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3001
Census Tract	851909

Owner

609 N Lyle Ave is owned by a company that bought it in January 2026.

Source: Kane County records, as of October 13, 2026

Owner of Record	2 Company Names on File
Mailing Address	609 N LYLE AVE, ELGIN, IL 60123-2607
Owner Type	Company
Vesting	Life Tenant

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
Sep 14, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Apr 21, 2022	Deed of Trust, Mortgage · Line of Credit AMERICAN EAGLE BANK
Jan 20, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 8, 2023	Special Warranty Deed, Transfer · Conventional Mortgage PACOR MORTGAGE CORP
Jan 31, 2020	Court-Ordered Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 20, 2026 · Amount on File
Deed Sale	Jan 20, 2026 · Amount on File
Prior Sale	Feb 8, 2023 · Amount on File
Deed Document Number	20262492
Prior Transfer Date	Jan 2, 2020
Prior Transfer Doc	0000005871
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 14, 2026
Property Address	609 N LYLE AVE, ELGIN, IL 60123-2607
Document Number	0000039825
Instrument Date	Jul 20, 2026
Instrument	202639825
Transaction Type	Transfer
Record Updated	Sep 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	609 N LYLE AVE, ELGIN, IL 60123-2607

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	609 N LYLE AVE, ELGIN, IL 60123-2607
Transaction Type	Mortgage
Record Updated	Jan 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000021581
Date	Apr 21, 2022
Instrument	2022K021581

Lender

Name	AMERICAN EAGLE BANK
Type	Bank
Address	SOUTH ELGIN, IL 60177

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 20, 2026
Property Address	609 N LYLE AVE, ELGIN, IL 60123-2607
Document Number	0000002492
Instrument Date	Jan 9, 2026
Instrument	2026K002492
Transaction Type	Transfer
Record Updated	Jan 29, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 N LYLE AVE, ELGIN, IL 60123-2607

Mortgage

Document Number	0000002493
Date	Jan 20, 2026
Instrument	2026K002493

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.57%

February 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	KANE IL
Recording Date	Feb 8, 2023
Property Address	609 N LYLE AVE, ELGIN, IL 60123-2607
Document Number	0000004026
Instrument Date	Feb 1, 2023
Instrument	2023K004026
Transaction Type	Transfer
Record Updated	Feb 15, 2023
Title Company	ATTORNEY'S TITLE, ATTORNEYS TTL GUARANTY FUND

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$333.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	609 N LYLE AVE, ELGIN, IL 60123-2607
Investor	Possibly a Property Investor

Mortgage

Document Number	0000004027
Date	Feb 8, 2023
Instrument	2023K004027

Lender

Name	PACOR MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.62%

January 2020: Court-Ordered Deed, Foreclosure

Document Type	Court-Ordered Deed
Jurisdiction	KANE IL
Recording Date	Jan 31, 2020
Property Address	609 N LYLE AVE, ELGIN, IL 60123-2607
Document Number	0000005871
Instrument Date	Jan 2, 2020
Instrument	5871
Transaction Type	Foreclosure
Record Updated	Feb 24, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 609 N Lyle Ave was $7,594, up 4.2% from the year before.

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	$7,594.00 (+4.23%)	$107,543 (+8.57%) Land $34,594 Building $72,949	$322,758 (+8.57%) Land $103,824 Building $218,935
2024	$7,286.00 Homeowner's exemption	$99,054 Land $31,863 Building $67,191	$297,281 Land $95,627 Building $201,654
2022	$7,075.00 (+3.95%)	$81,598 (+6.96%) Land $26,248 Building $55,350	$244,794 (+6.96%) Land $78,744 Building $166,050
2021	$6,806.00	$76,288 Land $24,540 Building $51,748	$228,864 Land $73,620 Building $155,244

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 609 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 609 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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