620 Shenandoah Trl, Elgin, IL 60123 Property Records

Kane County property record for 620 Shenandoah Trl, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,984 sqft · built 1986
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$229,500 (Dec 2016)
Tax Bill	$8,372 (2025)
Deeds & Mortgages	Mar 2023 Second Mortgage May 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`06-09-379-020`

Property Details

APN / Parcel Number

Primary APN	`06-09-379-020`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,984 sqft Living Area
Gross Area	2,806 sqft
Basement Area	822 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	620 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 64
Legal Subdivision	VALLEY CREEK
Legal Block	3
Legal Lot Number	64
Legal Unit	4
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3003
Census Tract	851909

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 Individual Names on Record
Mailing Address	620 SHENANDOAH TRL, ELGIN, IL 60123-2518
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
May 1, 2018	Loan Modification, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2016 · Amount on Record
Deed Sale	Dec 1, 2016 · Amount on Record
Prior Sale	Sep 21, 2009 · Amount on Record
Deed Document Number	201666231
Last Transfer Date	Aug 30, 2023
Transfer Doc	0000008569
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	620 SHENANDOAH TRL, ELGIN, IL 60123-2518
Transaction Type	Mortgage
Record Updated	Apr 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009323
Date	Mar 27, 2023
Instrument	2023K009323

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	WAYNE, PA 19087

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2043

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KANE IL
Property Address	620 SHENANDOAH TRL, ELGIN, IL 60123-2518
Document Number	0000022400
Instrument Date	May 1, 2018
Transaction Type	Mortgage
Record Updated	May 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 SHENANDOAH TRL ELGIN IL 601232518, ELGIN, IL 60123-2518

Mortgage

Document Number	0000022400
Date	May 15, 2018
Instrument	22400

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 14, 2048

Interest

Rate Type	Fixed Rate
Rate	4.25%

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	$8,372.00 (+15.86%)	$117,747 (+8.57%) Land $34,594 Building $83,153	$353,382 (+8.57%) Land $103,824 Building $249,559
2024		$108,452 (+21.39%) Land $31,863 Building $76,589	$325,486 (+21.44%) Land $95,627 Building $229,859
2022	$7,226.00 (+4.48%) Homeowner's exemption	$89,339 (+6.96%) Land $26,248 Building $63,091	$268,017 (+6.96%) Land $78,744 Building $189,273
2021	$6,916.00 Homeowner's exemption	$83,526 Land $24,540 Building $58,986	$250,578 Land $73,620 Building $176,958

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 · 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

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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