654 N Airlite St, Elgin, IL 60123 Property Records

Kane County property record for 654 N Airlite St, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,922 sqft · built 1988
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Tax Bill	$7,704 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Oct 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-09-477-017`

Property Details

APN / Parcel Number

Primary APN	`06-09-477-017`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,922 sqft Living Area
Gross Area	2,546 sqft
1st Floor Area	1,922 sqft
Basement Area	624 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	654 N AIRLITE ST
City	ELGIN
State	IL
Zip	60123-2675
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VALLEY CREEK UNIT 7 LOT 208
Legal Subdivision	VALLEY CREEK
Legal Block	3
Legal Lot Number	208
Legal Unit	7
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3024
Census Tract	851909

Owner

654 N Airlite St is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	654 N AIRLITE ST, ELGIN, IL 60123-2675
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
Feb 25, 2022	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Oct 6, 2017	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	654 N AIRLITE ST, ELGIN, IL 60123-2675
Transaction Type	Mortgage
Record Updated	Mar 3, 2022
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010991
Date	Feb 25, 2022
Instrument	2022K010991

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2037

Interest

Rate	3.12%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	654 N AIRLITE ST, ELGIN, IL 60123-2675
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000052649
Date	Oct 6, 2017
Instrument	2017K052649

Lender

Name	PNC BANK NA
Type	Bank
Address	CLEVELAND, OH 44101

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Sep 23, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 654 N Airlite St was $7,704 with exemptions applied.

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	$7,704.00 Homeowner's exemption Senior Citizen's exemption	$116,993 (+8.57%) Land $31,681 Building $85,312	$351,119 (+8.57%) Land $95,081 Building $256,038
2024		$107,758 Land $29,180 Building $78,578	$323,403 Land $87,575 Building $235,828
2022	$6,743.00 (+5%) Homeowner's exemption	$88,768 (+6.96%) Land $24,038 Building $64,730	$266,304 (+6.96%) Land $72,114 Building $194,190
2021	$6,422.00 Homeowner's exemption	$82,992 Land $22,474 Building $60,518	$248,976 Land $67,422 Building $181,554

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 654 N Airlite St 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

Wildfire risk around 654 N Airlite St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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