Kane County property record for 649 Slate Run, Elgin, IL 60124
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $574,000 (Oct 2022) |
| Tax Bill | $15,440 (2025) |
| Deeds & Mortgages | Oct 2022 Sale & Mortgage Jan 2020 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-12-251-005 |
| Primary APN | 05-12-251-005 |
|---|
| Lot Area | 12,632 sqft (0.29 acres) |
|---|
| Street Address | 649 SLATE RUN |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60124-5703 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HIGHLAND WOODS NEIGHBORHOOD C LT 515 |
| Legal Subdivision | HIGHLAND WOODS |
| Legal Block | 2 |
| Legal Lot Number | 515 |
| Jurisdiction | KANE IL |
| Township / Civil Division | PLATO |
| Census Block Group | 2 |
| Census Block | 2064 |
| Census Tract | 850711 |
Source: Kane County records · APN 05-12-251-005
Assessment roll updated August 25, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 649 SLATE RUN, ELGIN, IL 60124-5703 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Oct 11, 2022 | Warranty Deed, Transfer · Conventional Mortgage LOWER LLC |
| Jan 15, 2020 | Deed of Trust, Mortgage · Line of Credit HEARTLAND BK |
| Jan 16, 2020 | Special Warranty Deed, Transfer · Line of Credit HEARTLAND BANK & TRUST CO |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 11, 2022 · Amount on Record |
| Deed Sale | Oct 11, 2022 · Amount on Record |
| Prior Sale | Jan 16, 2020 · Amount on Record |
| Deed Document Number | 202249885 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Oct 11, 2022 |
| Property Address | 649 SLATE RUN, ELGIN, IL 60124-5703 |
| Document Number | 0000049885 |
| Map Reference | DOC 2006K120131 |
| Instrument Date | Jul 12, 2022 |
| Instrument | 2022K049885 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $574.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1827 E LINCOLN HWY # HWY1, HWY1, DEKALB, IL 60115-3958 |
| Name | Verified Name |
|---|---|
| Address | 649 SLATE RUN, ELGIN, IL 60124-5703 |
| Document Number | 0000049886 |
|---|---|
| Date | Oct 11, 2022 |
| Instrument | 2022K049886 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Aug 01, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.12% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 649 SLATE RUN, ELGIN, IL 60124-5703 |
| Document Number | 0000003038 |
| Instrument Date | Jan 15, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 28, 2020 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Document Number | 0000003038 |
|---|---|
| Date | Jan 16, 2020 |
| Instrument | 3038 |
| Name | HEARTLAND BK |
|---|---|
| Type | Bank |
| Address | SYCAMORE, IL 60178 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jan 16, 2020 |
| Property Address | 649 SLATE RUN, ELGIN, IL 60124-5703 |
| Document Number | 0000003042 |
| Map Reference | DOC 2006K120181 |
| Instrument Date | Jan 15, 2020 |
| Instrument | 2020K003042 |
| Transaction Type | Transfer |
| Record Updated | Aug 05, 2022 |
| Title Company | CT |
| Amount | Amount Recorded |
|---|---|
| Tax | $85.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 1827 E LINCON HIGHWAY #1 # 1, 1, DEKALB, IL 60115-3958 |
| Investor | Possibly a Property Investor |
| Document Number | 0000003038 |
|---|---|
| Date | Jan 16, 2020 |
| Instrument | 2020K003038 |
| Name | HEARTLAND BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jan 15, 2021 |
| Document Number | 0000003043 |
|---|---|
| Date | Jan 16, 2020 |
| Instrument | 2020K003043 |
| Name | HEARTLAND BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | SYCAMORE, IL 60178 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jan 15, 2021 |
Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Plato Township |
| Municipality | Elgin City |
| Unified School District | Central Community Unit School District 301 (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $15,440.00 (+415.87%) Homeowner's exemption | ||
| 2024 | $194,638 (+515.53%) Land $36,850 Building $157,788 | $584,148 (+515.78%) Land $110,594 Building $473,553 | |
| 2022 | $2,993.00 (-0.66%) | $31,621 (+3.51%) Land $31,621 | $94,863 (+3.51%) Land $94,863 |
| 2021 | $3,013.00 | $30,549 Land $30,549 | $91,647 Land $91,647 |
Source: FEMA National Flood Hazard Layer as of October 8, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Radiate Holdings Cable | 1,500 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 167 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ELGIN serves 114,797 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | 19 ppb (2026) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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