650 Lancaster Cir, Elgin, IL 60123 Property Records

Kane County property record for 650 Lancaster Cir, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,655 sqft · built 1994
Owner	Individual Name on Record
Last Sale	$222,000 (Oct 2023)
Tax Bill	$5,799 (2025)
Deeds & Mortgages	Oct 2023 Re-recorded Document Jan 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-28-126-019`

Property Details

APN / Parcel Number

Primary APN	`06-28-126-019`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,655 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Townhouse
Construction Type	Frame
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	650 LANCASTER CIR
City	ELGIN
State	IL
Zip	60123-5652
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TOWNHOMES OF WOODBRIDGE UNIT 28-D-650
Legal Subdivision	WOODBRIDGE
Legal Block	1
Legal Lot Number	28D65
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1011
Census Tract	851908

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	Individual Name on Record
Mailing Address	662 W MEDFORD DR, PALATINE, IL 60067-7110
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2023	Re-recorded Document OLD REPUBLIC TITLE
Jan 13, 2023	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Jul 11, 2018	Warranty Deed, Transfer · Conventional Mortgage FIRST CENTENNIAL MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 4, 2023 · Amount on Record
Deed Sale	Oct 4, 2023 · Amount on Record
Prior Sale	Jan 13, 2023 · Amount on Record
Deed Document Number	202334694
Record Updated	Sep 20, 2026

October 2023: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	KANE IL
Recording Date	Oct 4, 2023
Property Address	650 LANCASTER CIR, ELGIN, IL 60123-5652
Document Number	0000034694
Map Reference	DOC 94K056585
Instrument Date	Dec 15, 2022
Instrument	2023K034694
Record Updated	Oct 12, 2023
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name
Address	650 LANCASTER CIR, ELGIN, IL 60123-5652

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	662 W MEDFORD DR, PALATINE, IL 60067-7110
Investor	Possibly a Property Investor

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 13, 2023
Property Address	650 LANCASTER CIR, ELGIN, IL 60123-5652
Document Number	0000001465
Map Reference	DOC 94K056585
Instrument Date	Dec 15, 2022
Instrument	2023K001465
Transaction Type	Transfer
Record Updated	Jan 23, 2023
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$222.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	650 LANCASTER CIR, ELGIN, IL 60123-5652

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 LANCASTER CIR, ELGIN, IL 60123-5652

Mortgage

Document Number	0000001466
Date	Jan 13, 2023
Instrument	2023K001466

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.25%

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 11, 2018
Property Address	650 LANCASTER CIR, ELGIN, IL 60123-5652
Document Number	0000033247
Map Reference	DOC94K056585
Instrument Date	Jul 2, 2018
Instrument	2018K033247
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	ALLIANCE TITLE CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$154.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	579 CLARK ST, 579, ELGIN, IL 60123-2749

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 LANSTER CR, ELGIN, IL 60123

Mortgage

Document Number	0000033248
Date	Jul 11, 2018
Instrument	2018K033248

Lender

Name	FIRST CENTENNIAL MORTGAGE CORP
Type	Mortgage Company
Address	AURORA, IL 60506

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

Interest

Rate Type	Fixed Rate
Rate	4.87%

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	$5,799.00 (+15.82%)	$84,013 (+8.57%) Land $16,479 Building $67,534	$252,140 (+8.57%) Land $49,457 Building $202,683
2024		$77,381 (+21.39%) Land $15,178 Building $62,203	$232,236 (+21.44%) Land $45,552 Building $186,684
2022	$5,007.00 (+4.73%) Homeowner's exemption	$63,744 (+6.96%) Land $12,503 Building $51,241	$191,232 (+6.96%) Land $37,509 Building $153,723
2021	$4,781.00 Homeowner's exemption	$59,596 Land $11,689 Building $47,907	$178,788 Land $35,067 Building $143,721

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 429 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
Fox Valley Internet Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: Verizon.

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