972 Meadow Ln, Elgin, IL 60123 Property Records

Kane County property record for 972 Meadow Ln, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,161 sqft · built 1958
Lot Size	0.332 acres (14,472 sqft)
Owner	2 Individual Names on Record
Last Sale	$195,000 (Oct 2017)
Tax Bill	$8,535 (2025)
Deeds & Mortgages	Dec 2018 Line of Credit Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-03-476-006`

Property Details

APN / Parcel Number

Primary APN	`06-03-476-006`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,161 sqft Living Area
Gross Area	2,322 sqft
1st Floor Area	1,161 sqft
Basement Area	1,161 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Exterior Material	Brick
Lot Area	14,472 sqft (0.332 acres)
Lot Dimensions	134 ft deep x 108 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	972 MEADOW LN
City	ELGIN
State	IL
Zip	60123-1480
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CENTURY OAKS 2ND ADDN LOT 47
Legal Subdivision	CENTURY OAKS 2ND ADDN
Legal Block	1
Legal Lot Number	47
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1004
Census Tract	851000

Owner

Source: Kane County records, as of July 21, 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	972 MEADOW LN, ELGIN, IL 60123-1480
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Dec 31, 2018	Deed of Trust, Mortgage · Line of Credit US BANK NA
Oct 2, 2017	Warranty Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 2017 · Amount on Record
Deed Sale	Oct 2, 2017 · Amount on Record
Prior Sale	Jun 29, 2010 · Amount on Record
Deed Document Number	201751618
Prior Transfer Date	Jul 26, 2013
Prior Transfer Doc	0000061129
Record Updated	Sep 20, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	972 MEADOW LN, ELGIN, IL 60123-1480
Transaction Type	Mortgage
Record Updated	Jun 21, 2021
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000062266
Date	Dec 31, 2018
Instrument	2018K062266

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 21, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Oct 2, 2017
Property Address	972 MEADOW LN, ELGIN, IL 60123-1480
Document Number	0000051618
Instrument Date	Sep 21, 2017
Instrument	2017K051618
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	HERITAGE TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$195.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	972 MEADOW LN, ELGIN, IL 60123-1480
Investor	Possibly a Property Investor

Mortgage

Document Number	0000051619
Date	Oct 2, 2017
Instrument	2017K051619

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2047

Interest

Rate	3.75%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 2025

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	$8,535.00 (+44%)
2024		$103,045 (+21.39%) Land $26,129 Building $76,916	$309,259 (+21.44%) Land $78,418 Building $230,840
2022	$5,927.00 (-9.44%) Homeowner's exemption	$84,886 (+6.96%) Land $21,525 Building $63,361	$254,658 (+6.96%) Land $64,575 Building $190,083
2021	$6,545.00 Homeowner's exemption	$79,362 Land $20,124 Building $59,238	$238,086 Land $60,372 Building $177,714

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	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 264 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

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

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