651 Lancaster Cir, Elgin, IL 60123 Property Records

Kane County property record for 651 Lancaster Cir, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,531 sqft · built 1994
Owner	2 Individual Names on Record
Last Sale	$295,000 (Apr 2026)
Tax Bill	$5,740 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Dec 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-21-376-034`

Property Details

APN / Parcel Number

Primary APN	`06-21-376-034`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,531 sqft Living Area
Gross Area	2,288 sqft
Basement Area	757 sqft
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	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	651 LANCASTER CIR
City	ELGIN
State	IL
Zip	60123-5650
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TOWNHOMES OF WOODBRIDGE UNIT 9-D-651
Legal Subdivision	WOODBRIDGE
Legal Block	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1011
Census Tract	851908

Owner

Source: Kane County records, as of September 9, 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	651 LANCASTER CIR, ELGIN, IL 60123-5650
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2026	Warranty Deed, Transfer · Conventional Mortgage MIDLAND STATES BANK
Dec 24, 2019	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PORTFOLIO MORTGAGE CORP
Feb 22, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Feb 22, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2026 · Amount on Record
Deed Sale	Apr 23, 2026 · Amount on Record
Prior Sale	Dec 24, 2019 · Amount on Record
Deed Document Number	202616514
Prior Transfer Date	Feb 22, 2019
Prior Transfer Doc	0000007188
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 23, 2026
Property Address	651 LANCASTER CIR, ELGIN, IL 60123-5650
Document Number	0000016514
Instrument Date	Apr 17, 2026
Instrument	202616514
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$44,692.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	651 LANCASTER CIR, ELGIN, IL 60123-5650

Mortgage

Document Number	0000016515,
Date	Apr 23, 2026
Instrument	202616515

Lender

Name	MIDLAND STATES BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.75%
Initial Type	Fixed Rate
Max Rate	-1%

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 24, 2019
Property Address	651 LANCASTER CIR, ELGIN, IL 60123-5650
Document Number	0000062451
Map Reference	DOC 94K056585
Instrument Date	Dec 9, 2019
Instrument	2019K062451
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	BAIRD & WARNER TTL SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$174.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	651 LANCASTER CIR, ELGIN, IL 60123-5650

Mortgage

Document Number	0000062452
Date	Dec 24, 2019
Instrument	2019K062452

Lender

Name	AMERICAN PORTFOLIO MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

Interest

Rate Type	Fixed Rate
Rate	4.25%

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Feb 22, 2019
Property Address	651 LANCASTER CIR, ELGIN, IL 60123-5650
Document Number	0000007188
Instrument Date	Feb 22, 2019
Instrument	7188
Transaction Type	Transfer
Record Updated	Mar 1, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	651 LANCASTER CIR ELGIN IL 601235650, ELGIN, IL 60123-5650

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Feb 22, 2019
Property Address	651 LANCASTER CIR, ELGIN, IL 60123-5650
Document Number	0000007187
Instrument Date	Feb 21, 2019
Instrument	7187
Transaction Type	Transfer
Record Updated	Mar 1, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	651 LANCASTER CIR ELGIN IL 601235650, ELGIN, IL 60123-5650

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	$5,740.00 (+4.46%) Homeowner's exemption	$83,246 (+8.57%) Land $16,479 Building $66,767	$249,838 (+8.57%) Land $49,457 Building $200,381
2024	$5,495.00 (+10.88%)	$76,675 (+21.39%) Land $15,178 Building $61,497	$230,117 (+21.44%) Land $45,552 Building $184,565
2022	$4,956.00 (+4.71%) Homeowner's exemption	$63,162 (+6.96%) Land $12,503 Building $50,659	$189,486 (+6.96%) Land $37,509 Building $151,977
2021	$4,733.00 Homeowner's exemption	$59,052 Land $11,689 Building $47,363	$177,156 Land $35,067 Building $142,089

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	Low lower than 96% of the US · lower than 74% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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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