78 Lockman Cir, Elgin, IL 60123 Property Records

Kane County property record for 78 Lockman Cir, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,536 sqft · built 1977
Lot Size	0.193 acres (8,395 sqft)
Owner	2 Company Names on Record
Last Sale	$154,000 (May 2011)
Tax Bill	$6,800 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Dec 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-03-104-013`

Property Details

APN / Parcel Number

Primary APN	`06-03-104-013`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,536 sqft Living Area
Gross Area	3,072 sqft
1st Floor Area	1,536 sqft
Basement Area	1,536 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Construction Type	Frame
Lot Area	8,395 sqft (0.193 acres)
Lot Dimensions	115 ft deep x 73 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	78 LOCKMAN CIR
City	ELGIN
State	IL
Zip	60123-1250
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CENTURY OAKS WEST UNIT 4 LOT 235
Legal Subdivision	CENTURY OAKS WEST
Legal Block	1
Legal Lot Number	235
Legal Unit	4
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1003
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 Company Names on Record
Mailing Address	78 LOCKMAN CIR, ELGIN, IL 60123-1250
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage KANE COUNTY TEACHERS CU
Dec 21, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2011 · Amount on Record
Deed Sale	May 12, 2011 · Amount on Record
Deed Document Number	201128919
Prior Transfer Date	Jun 7, 2010
Prior Transfer Doc	0000038286
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	78 LOCKMAN CIR, ELGIN, IL 60123-1250
Transaction Type	Mortgage
Record Updated	Oct 8, 2021
Title Company	HALLMARK TITLE, HALLMARK TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000074632
Date	Oct 1, 2021
Instrument	2021K074632

Lender

Name	KANE COUNTY TEACHERS CU
Type	Credit Union
Address	ELGIN, IL 60123

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2036

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	78 LOCKMAN CIR, ELGIN, IL 60123-1250
Document Number	0000067231
Instrument Date	Dec 21, 2017
Transaction Type	Mortgage
Record Updated	Jan 8, 2018
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	78 LOCKMAN CIR ELGIN IL 601231250, ELGIN, IL 60123-1250

Mortgage

Document Number	0000067231
Date	Dec 27, 2017
Instrument	67231

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 26, 2032

Interest

Rate	3.37%

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	$6,800.00 (+14.04%) Homeowner's exemption Senior Citizen's exemption	$105,137 (+8.57%) Land $27,140 Building $77,997	$315,537 (+8.57%) Land $81,453 Building $234,085
2024		$96,838 (+21.39%) Land $24,998 Building $71,840	$290,630 (+21.44%) Land $75,024 Building $215,606
2022	$5,963.00 (+5.13%) Homeowner's exemption	$79,772 (+6.96%) Land $20,593 Building $59,179	$239,316 (+6.96%) Land $61,779 Building $177,537
2021	$5,672.00 Homeowner's exemption	$74,581 Land $19,253 Building $55,328	$223,743 Land $57,759 Building $165,984

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 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 218 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	300 / 60
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile.

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