616 Shenandoah Trl, Elgin, IL 60123 Property Records

Kane County property record for 616 Shenandoah Trl, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,869 sqft · built 1988
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (Mar 2020)
Tax Bill	$7,207 (2025)
Deeds & Mortgages	Mar 2020 Sale & Mortgage Jun 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`06-09-379-021`

Property Details

APN / Parcel Number

Primary APN	`06-09-379-021`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,869 sqft Living Area
1st Floor Area	1,869 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	616 SHENANDOAH TRL
City	ELGIN
State	IL
Zip	60123-2518
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VALLEY CREEK UNIT 4 LOT 65
Legal Subdivision	VALLEY CREEK
Legal Block	3
Legal Lot Number	65
Legal Unit	4
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3003
Census Tract	851909

Owner

616 Shenandoah Trl is owned and occupied by two individuals who bought it in March 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	616 SHENANDOAH TRL, ELGIN, IL 60123-2518
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 18, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FIRST NATIONAL BANK OF AMERICA
Jun 19, 2017	Loan Modification, Mortgage · Line of Credit GERMAN AM CAP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 18, 2020 · Amount on File
Deed Sale	Mar 18, 2020 · Amount on File
Prior Sale	Jan 16, 2014 · Amount on File
Deed Document Number	202013999
Prior Transfer Date	May 3, 2005
Prior Transfer Doc	0000062481
Record Updated	Oct 29, 2026

March 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Mar 18, 2020
Property Address	616 SHENANDOAH TRL, ELGIN, IL 60123-2518
Document Number	0000013999
Instrument Date	Feb 5, 2020
Instrument	2020K013999
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 5, 2022
Title Company	CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$225.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	616 SHENANDOAH TRL, ELGIN, IL 60123-2518

Mortgage

Document Number	0000014000
Date	Mar 18, 2020
Instrument	2020K014000

Lender

Name	FIRST NATIONAL BANK OF AMERICA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 25, 2050

Interest

Rate Type	Fixed Rate
Rate	6.37%

June 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KANE IL
Recording Date	Jun 19, 2017
Property Address	616 SHENANDOAH TRL, ELGIN, IL 60123-2518
Instrument Date	Jun 15, 2017
Instrument	31182
Transaction Type	Mortgage
Record Updated	Aug 23, 2018
Title Company	SERVICELINK

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	909 N SEPULVEDA BLVD #840 EL SEGUNDO CA 902452718, 840, EL SEGUNDO, CA 90245-2718

Mortgage

Document Number	0000031182
Date	Jun 19, 2017
Instrument	31182

Lender

Name	GERMAN AM CAP
Type	Funding / Finance Company
Address	60 WALL ST # 10TH, NEW YORK, NY 10005-2836

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 616 Shenandoah Trl was $7,207 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	$7,207.00 Homeowner's exemption	$102,469 (+8.57%) Land $34,594 Building $67,875	$307,530 (+8.57%) Land $103,824 Building $203,706
2024		$94,380 Land $31,863 Building $62,517	$283,253 Land $95,627 Building $187,626
2022	$6,221.00 (+4.57%) Homeowner's exemption	$77,747 (+6.96%) Land $26,248 Building $51,499	$233,241 (+6.96%) Land $78,744 Building $154,497
2021	$5,949.00 Homeowner's exemption	$72,688 Land $24,540 Building $48,148	$218,064 Land $73,620 Building $144,444

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 616 Shenandoah Trl 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 616 Shenandoah Trl 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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