71 Lovell St, Elgin, IL 60120 Property Records

Kane County property record for 71 Lovell St, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,056 sqft · built 1930
Lot Size	0.215 acres (9,344 sqft)
Owner	2 Individual Names on File
Last Sale	$290,000 (Nov 2025)
Tax Bill	$5,398 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-11-429-014`

Property Details

APN / Parcel Number

Primary APN	`06-11-429-014`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	5 Stories
Building Area	1,056 sqft Living Area
Gross Area	1,816 sqft
Basement Area	760 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Construction Type	Frame
Lot Area	9,344 sqft (0.215 acres)
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	71 LOVELL ST
City	ELGIN
State	IL
Zip	60120-3639
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOVELLS SUB OF THAT PART OF LOVELLS ADDN LYING SOUTH OF LINCOLN AVE LOT 8 BLOCK 7
Legal Subdivision	LOVELLS ADDN
Legal Block	7
Legal Lot Number	8
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2026
Census Tract	850800

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Spring-Douglas Historic District listed 2000 · 455 contributing resources · NRIS 00000410

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

71 Lovell St is owned and occupied by two individuals who bought it in November 2025.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	71 LOVELL ST, ELGIN, IL 60120-3639
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2025	Warranty Deed, Transfer · Conventional Mortgage THE FEDERAL SAVINGS BANK
Jun 30, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2025 · Amount on File
Deed Sale	Nov 21, 2025 · Amount on File
Prior Sale	Aug 7, 2008
Deed Document Number	202546412
Prior Transfer Date	Apr 28, 2021
Prior Transfer Doc	0000050152
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Nov 21, 2025
Property Address	71 LOVELL ST, ELGIN, IL 60120-3639
Document Number	0000046412
Instrument Date	Nov 17, 2025
Instrument	2025K046412
Transaction Type	Transfer
Record Updated	Dec 3, 2025
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$290.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	71 LOVELL ST, ELGIN, IL 60120-3639

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	71 LOVELL ST, ELGIN, IL 60120-3639

Mortgage

Document Number	0000046413
Date	Nov 21, 2025
Instrument	2025K046413

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.12%

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Jun 30, 2021
Property Address	71 LOVELL ST, ELGIN, IL 60120-3639
Document Number	0000050152
Map Reference	DOC 0611429014
Instrument Date	Apr 28, 2021
Instrument	2021K050152
Transaction Type	Transfer
Record Updated	Jul 14, 2021
Title Company	TITLE 365, TITLE365

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	71 LOVELL ST, ELGIN, IL 60120-3639

Mortgage

Document Number	0000050153
Date	Jun 30, 2021
Instrument	2021K050153

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	179 Months
Due	May 1, 2036

Interest

Rate	2.75%

Tax Assessment & Valuation

The 2025 property tax bill for 71 Lovell St was $5,398, up 4.5% from the year before.

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	$5,398.00 (+4.51%) Homeowner's exemption	$78,764 (+8.57%) Land $16,828 Building $61,936	$236,387 (+8.57%) Land $50,504 Building $185,882
2024	$5,165.00 Homeowner's exemption	$72,547 Land $15,500 Building $57,047	$217,728 Land $46,519 Building $171,209
2022	$4,661.00 (+5.6%) Homeowner's exemption	$59,762 (+6.96%) Land $12,768 Building $46,994	$179,286 (+6.96%) Land $38,304 Building $140,982
2021	$4,414.00 Homeowner's exemption	$55,873 Land $11,937 Building $43,936	$167,619 Land $35,811 Building $131,808

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

FEMA maps place 71 Lovell St in Zone X, an area of minimal flood risk.

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

The area around 71 Lovell St has no burnable land within ember reach, so its wildfire risk is not rated.

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 222 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
AT&T DSL	100 / 20

May also be available: T-Mobile, Verizon.

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