1975 Salem Rd, Elgin, IL 60123 Property Records

Kane County property record for 1975 Salem Rd, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,839 sqft · built 1988
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on File
Last Sale	$415,000 (Nov 2021)
Tax Bill	$10,638 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Nov 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-16-276-039`

Property Details

APN / Parcel Number

Primary APN	`06-16-276-039`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,839 sqft Living Area
Gross Area	4,478 sqft
Basement Area	1,639 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Construction Type	Frame
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1975 SALEM RD
City	ELGIN
State	IL
Zip	60123-5048
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WILLIAMSBURG COMMONS UNIT 3 LOT 62
Legal Subdivision	WILLIAMSBURG COMMONS
Legal Block	3
Legal Lot Number	62
Legal Unit	3
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3017
Census Tract	851904

Owner

1975 Salem Rd is owned and occupied by an individual who bought it in November 2021.

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

Owner of Record	Individual Name on File
Mailing Address	1975 SALEM RD, ELGIN, IL 60123-5048
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

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

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2024	Deed of Trust, Mortgage · Line of Credit DUPAGE CU
Nov 4, 2021	Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Feb 20, 2018	Deed of Trust, Mortgage · Commercial Mortgage AMERICAN EAGLE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 4, 2021 · Amount on File
Deed Sale	Nov 4, 2021 · Amount on File
Deed Document Number	202183537
Prior Transfer Date	Nov 19, 2001
Prior Transfer Doc	0000000149
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1975 SALEM RD, ELGIN, IL 60123-5048
Transaction Type	Mortgage
Record Updated	Apr 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011482
Date	Apr 9, 2024
Instrument	2024K011482

Lender

Name	DUPAGE CU
Type	Credit Union
Address	NAPERVILLE, IL 60567

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Apr 30, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	Nov 4, 2021
Property Address	1975 SALEM RD, ELGIN, IL 60123-5048
Document Number	0000083537
Instrument Date	Sep 21, 2021
Instrument	2021K083537
Transaction Type	Transfer
Record Updated	Nov 16, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$415.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1975 SALEM RD, ELGIN, IL 60123-5048

Mortgage

Document Number	0000083538
Date	Nov 4, 2021
Instrument	2021K083538

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.37%

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1975 SALEM RD, ELGIN, IL 60123-5048
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007900
Date	Feb 20, 2018
Instrument	2018K007900

Lender

Name	AMERICAN EAGLE BANK
Type	Bank
Address	SOUTH ELGIN, IL 60177

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	61 Months
Due	Mar 20, 2023

Tax Assessment & Valuation

The 2025 property tax bill for 1975 Salem Rd was $10,638 with a homeowner's exemption.

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	$10,638.00 Homeowner's exemption	$147,441 (+8.57%) Land $31,976 Building $115,465	$442,500 (+8.57%) Land $95,966 Building $346,534
2024		$135,803 Land $29,452 Building $106,351	$407,572 Land $88,391 Building $319,181
2022	$9,180.00 (+9.95%) Homeowner's exemption	$111,870 (+6.96%) Land $24,262 Building $87,608	$335,610 (+6.96%) Land $72,786 Building $262,824
2021	$8,349.00 Homeowner's exemption	$104,590 Land $22,683 Building $81,907	$313,770 Land $68,049 Building $245,721

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 1975 Salem Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

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 Policies	1 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2020 · 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

The area around 1975 Salem Rd 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 355 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

May also be available: Fox Valley Internet.

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