975 Lawrence Ave, Elgin, IL 60123 Property Records

Kane County property record for 975 Lawrence Ave, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,265 sqft · built 1947
Lot Size	0.63 acres (27,443 sqft)
Owner	2 Individual Names on Record
Last Sale	$298,000 (Dec 2023)
Tax Bill	$10,147 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-15-277-025`

Property Details

APN / Parcel Number

Primary APN	`06-15-277-025`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,265 sqft Living Area
Gross Area	3,630 sqft
Basement Area	1,365 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Architectural Style	Colonial
Construction Type	Frame
Lot Area	27,443 sqft (0.63 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Pool Area	840 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water
Water Source	Commercial

Location & Zoning

Street Address	975 LAWRENCE AVE
City	ELGIN
State	IL
Zip	60123-3476
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COMMISSIONERS PETITION OF PT OF THE SE 1/4 OF SEC 10 & THE NE 1/4 OF SEC 15 NELY PT (BEING EAST 109.80 FT ON THE NORTH LINE EAST 168.5 FT ON THE SOUTH LINE & 178.60 FT ON THE WEST LINE LOT 1 NE 1/4 SEC 15-41-8
Legal Range	08
Legal Township	41
Legal Section	15
Legal Subdivision	THE WEST LINE
Legal Block	3
Legal Lot Number	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3021
Census Tract	851102

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	626 ANDERSON BLVD, GENEVA, IL 60134-1245
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 14, 2023 · Amount on Record
Deed Sale	Dec 14, 2023 · Amount on Record
Deed Document Number	202343604
Prior Transfer Date	May 9, 2013
Prior Transfer Doc	0000036906
Record Updated	Sep 20, 2026

December 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	Dec 14, 2023
Property Address	975 LAWRENCE AVE, ELGIN, IL 60123-3476
Document Number	0000043604
Instrument Date	Dec 1, 2023
Instrument	2023K043604
Transaction Type	Transfer
Record Updated	Dec 20, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$298.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	975 LAWRENCE AVE, ELGIN, IL 60123-3476
Investor	Possibly a Property Investor

Mortgage

Document Number	0000043605
Date	Dec 14, 2023
Instrument	2023K043605

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

Interest

Rate	7.37%

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	$10,147.00 (+21.92%)	$141,011 (+8.57%) Land $38,308 Building $102,703	$423,202 (+8.57%) Land $114,970 Building $308,232
2024		$129,880 (+21.39%) Land $35,284 Building $94,596	$389,796 (+21.44%) Land $105,894 Building $283,902
2022	$8,323.00 (+4.8%) Homeowner's exemption	$106,990 (+6.96%) Land $29,065 Building $77,925	$320,970 (+6.96%) Land $87,195 Building $233,775
2021	$7,942.00 Homeowner's exemption	$100,028 Land $27,174 Building $72,854	$300,084 Land $81,522 Building $218,562

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1982)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 1982 · rainfall accumulation

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	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 574 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
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20