873 Lavoie Ave, Elgin, IL 60120 Property Records

Kane County property record for 873 Lavoie Ave, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,260 sqft · built 1980
Lot Size	0.177 acres (7,693 sqft)
Owner	2 Individual Names on File
Last Sale	$167,000 (Feb 2020)
Tax Bill	$6,059 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Nov 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-24-479-008`

Property Details

APN / Parcel Number

Primary APN	`06-24-479-008`

Interior

Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,260 sqft Living Area
Gross Area	2,520 sqft
1st Floor Area	1,260 sqft
Basement Area	1,260 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Construction Type	Frame
Lot Area	7,693 sqft (0.177 acres)
Lot Dimensions	157 ft deep x 49 ft wide
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	873 LAVOIE AVE
City	ELGIN
State	IL
Zip	60120-8473
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINZLAR ADDN LOT 11 BLOCK 1
Legal Subdivision	WINZLAR ADDN
Legal Block	1
Legal Lot Number	11
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1015
Census Tract	851400

Owner

Source: Kane County assessment roll, 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 File
Mailing Address	613 N GROVE AVE, ELGIN, IL 60120-2803
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2026	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE COMPANY
Nov 4, 2025	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Oct 9, 2025	Quit Claim Deed, Transfer Quitclaim
Feb 4, 2020	Warranty Deed, Transfer · Conventional Mortgage INLANTA MORTGAGE INC
Nov 21, 2019	Trustee's Deed, Foreclosure NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 4, 2020 · Amount on Record
Deed Sale	Feb 4, 2020 · Amount on Record
Prior Sale	Nov 21, 2019 · Amount on Record
Deed Document Number	20206496
Last Transfer Date	Sep 28, 2025
Transfer Doc	0000039506
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	Aug 7, 2026
Property Address	873 LAVOIE AVE, ELGIN, IL 60120-8473
Document Number	0000033982
Instrument Date	Aug 7, 2026
Instrument	202633982
Transaction Type	Mortgage
Record Updated	Aug 17, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205

Mortgage

Document Number	0000033982,
Date	Aug 7, 2026
Instrument	202633982

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	873 LAVOIE AVE, ELGIN, IL 60120-8473
Transaction Type	Mortgage
Record Updated	Nov 14, 2025
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	613 N GROVE AVE, ELGIN, IL 60120-2803

Mortgage

Document Number	0000043545
Date	Nov 4, 2025
Instrument	2025K043545

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

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

October 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Oct 9, 2025
Property Address	873 LAVOIE AVE, ELGIN, IL 60120-8473
Document Number	0000039506
Instrument Date	Sep 28, 2025
Instrument	2025K039506
Transaction Type	Transfer
Record Updated	Oct 23, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	613 N GROVE AVE, ELGIN, IL 60120-2803

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Feb 4, 2020
Property Address	873 LAVOIE AVE, ELGIN, IL 60120-8473
Document Number	0000006496
Instrument Date	Jan 14, 2020
Instrument	2020K006496
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CARRINGTON TTL PARTNERS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$167.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	613 N GROVE AVE, ELGIN, IL 60120-2803
Investor	Possibly a Property Investor

Mortgage

Document Number	0000006497
Date	Feb 4, 2020
Instrument	2020K006497

Lender

Name	INLANTA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2050

Interest

Rate	4.87%

November 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	KANE IL
Recording Date	Nov 21, 2019
Property Address	873 LAVOIE AVE, ELGIN, IL 60120-8473
Document Number	0000056642
Instrument Date	Sep 9, 2019
Instrument	56642
Transaction Type	Foreclosure
Record Updated	Dec 4, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$86.00
Additional	Foreclosure Auction Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 ILLINOIS ST #2B ST CHARLES IL 601742876, 2B, ST CHARLES, IL 60174-2876

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	$6,059.00 (+16.21%) Homeowner's exemption	$79,426 (+8.57%) Land $13,715 Building $65,711	$238,373 (+8.57%) Land $41,161 Building $197,212
2024	$5,214.00 (+10.82%) Homeowner's exemption	$73,156 (+21.39%) Land $12,632 Building $60,524	$219,556 (+21.44%) Land $37,911 Building $181,645
2022	$4,705.00 (+4.77%) Homeowner's exemption	$60,264 (+6.96%) Land $10,406 Building $49,858	$180,792 (+6.96%) Land $31,218 Building $149,574
2021	$4,491.00 Homeowner's exemption	$56,343 Land $9,729 Building $46,614	$169,029 Land $29,187 Building $139,842

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	102 (1979–2020)
Claims Outside the SFHA	11 of 102
Most Recent Claim	May 2020 · rainfall accumulation
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Apr 2013 · 14 claims Severe Storms And Flooding, Sep 2008 · 35 claims

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

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.8% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 270 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Radiate Holdings Cable	1,500 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T.

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