7 White Oak Ln, Elgin, IL 60123 Property Records

Kane County property record for 7 White Oak Ln, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,299 sqft · built 1987
Owner	2 Individual Names on Record
Last Sale	$177,000 (Apr 2014)
Tax Bill	$6,724 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-04-400-065`

Property Details

APN / Parcel Number

Primary APN	`06-04-400-065`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,299 sqft Living Area
Gross Area	2,298 sqft
1st Floor Area	1,299 sqft
Basement Area	999 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Construction Type	Frame
Foundation Type	Raised
Lot Width	35 ft Width
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	7 WHITE OAK LN
City	ELGIN
State	IL
Zip	60123-2201
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING OAKS SUB NORTHEAST PATT OF LOT 9 & PART OF LOT 11 DESC IN DOC 1918597
Legal Subdivision	SPRING OAKS SUB
Legal Block	1
Legal Lot Number	9,11
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1006
Census Tract	851910

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	7 WHITE OAK LN, ELGIN, IL 60123-2201
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL SAVINGS BANK
Jun 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL SAVINGS BANK
Oct 22, 2018	Deed, Transfer · ARM FIRST FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 2014 · Amount on Record
Deed Sale	Apr 3, 2014 · Amount on Record
Prior Sale	Feb 21, 2002 · Amount on Record
Deed Document Number	201415690
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	7 WHITE OAK LN, ELGIN, IL 60123-2201
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000043655
Date	Aug 6, 2020
Instrument	2020K043655

Lender

Name	FIRST FEDERAL SAVINGS BANK
Type	Bank
Address	OTTAWA, IL 61350

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	May 1, 2050

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	7 WHITE OAK LN, ELGIN, IL 60123-2201
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000029267
Date	Jun 5, 2020
Instrument	2020K029267

Lender

Name	FIRST FEDERAL SAVINGS BANK
Type	Bank
Address	OTTAWA, IL 61350

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	May 1, 2050

October 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	Oct 22, 2018
Property Address	7 WHITE OAK LN, ELGIN, IL 60123-2201
Document Number	0000051489
Instrument Date	Oct 3, 2018
Instrument	2018K051489
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 WHITE OAK LN, ELGIN, IL 60123-2201

Mortgage

Document Number	0000051490
Date	Oct 22, 2018
Instrument	2018K051490

Lender

Name	FIRST FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Nov 1, 2025
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	9.25%
Index	1-Year CMT
Max Rate	9.25%

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	$6,724.00 (+14.02%) Homeowner's exemption Senior Citizen's exemption	$104,143 (+8.57%) Land $31,747 Building $72,396	$312,554 (+8.57%) Land $95,279 Building $217,275
2024		$95,922 (+21.39%) Land $29,241 Building $66,681	$287,881 (+21.44%) Land $87,758 Building $200,123
2022	$5,897.00 (+5.13%) Homeowner's exemption	$79,017 (+6.96%) Land $24,088 Building $54,929	$237,051 (+6.96%) Land $72,264 Building $164,787
2021	$5,609.00 Homeowner's exemption	$73,876 Land $22,521 Building $51,355	$221,628 Land $67,563 Building $154,065

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 97% of the US · lower than 79% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 206 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Fox Valley Internet, T-Mobile.

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