1995 Salem Rd, Elgin, IL 60123 Property Records

Kane County property record for 1995 Salem Rd, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,279 sqft · built 1990
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on Record
Last Sale	$560,000 (Feb 2026)
Tax Bill	$12,106 (2025)
Deeds & Mortgages	Mar 2026 Transfer Aug 2022 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`06-16-276-041`

Property Details

APN / Parcel Number

Primary APN	`06-16-276-041`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,279 sqft Living Area
Gross Area	5,045 sqft
Basement Area	1,766 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Raised
Lot Area	14,810 sqft (0.34 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	1995 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 64
Legal Subdivision	WILLIAMSBURG COMMONS
Legal Block	3
Legal Lot Number	64
Legal Unit	3
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3017
Census Tract	851904

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	1995 SALEM RD, ELGIN, IL 60123-5048
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2026	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Aug 10, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Feb 23, 2026	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Jul 6, 2023	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Apr 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Dec 7, 2017	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 30, 2017	Deed of Trust, Mortgage · Line of Credit BAXTER CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 23, 2026 · Amount on Record
Deed Sale	Feb 23, 2026 · Amount on Record
Prior Sale	Jul 6, 2023 · Amount on Record
Deed Document Number	20267114
Last Transfer Date	Mar 20, 2026
Transfer Doc	0000012496
Record Updated	Oct 29, 2026

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Mar 30, 2026
Property Address	1995 SALEM RD, ELGIN, IL 60123-5048
Document Number	0000012496
Instrument Date	Mar 20, 2026
Instrument	2026K012496
Transaction Type	Transfer
Record Updated	Apr 7, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	365 N HALSTED ST APT 3115, 3115, CHICAGO, IL 60661-1379

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1995 SALEM RD, ELGIN, IL 60123-5048

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1995 SALEM RD, ELGIN, IL 60123-5048
Transaction Type	Mortgage
Record Updated	Mar 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1995 SALEM RD, ELGIN, IL 60123-5048

Mortgage

Document Number	0000040525
Date	Aug 10, 2022
Instrument	2022K040525

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	476 Months
Due	Apr 27, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Feb 23, 2026
Property Address	1995 SALEM RD, ELGIN, IL 60123-5048
Document Number	0000007114
Instrument Date	Feb 12, 2026
Instrument	2026K007114
Transaction Type	Transfer
Record Updated	Mar 9, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$560.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	288 PRESIDENTIAL LN, ELGIN, IL 60123-5643

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1995 SALEM RD, ELGIN, IL 60123-5048

Mortgage

Document Number	0000007115
Date	Feb 23, 2026
Instrument	2026K007115

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Interest

Rate	6.1%

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 6, 2023
Property Address	1995 SALEM RD, ELGIN, IL 60123-5048
Document Number	0000022332
Instrument Date	Jun 21, 2023
Instrument	2023K022332
Transaction Type	Transfer
Record Updated	Jul 14, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$455.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1995 SALEM RD, ELGIN, IL 60123-5048

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	288 PRESIDENTIAL LN, ELGIN, IL 60123-5643

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1995 SALEM RD, ELGIN, IL 60123-5048
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016745
Date	Apr 29, 2019
Instrument	2019K016745

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2034

Interest

Rate	3.62%

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 7, 2017
Property Address	1995 SALEM RD, ELGIN, IL 60123-5048
Document Number	0000063800
Instrument Date	Nov 22, 2017
Instrument	2017K063800
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$315.00
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	1995 SALEM RD, ELGIN, IL 60123-5048

Mortgage

Document Number	0000063801
Date	Dec 7, 2017
Instrument	2017K063801

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	1995 SALEM RD, ELGIN, IL 60123-5048
Document Number	0000007313
Instrument Date	Jan 30, 2017
Transaction Type	Mortgage
Record Updated	May 3, 2017
Title Company	MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1995 SALEM RD ELGIN IL 601235048, ELGIN, IL 60123-5048

Mortgage

Document Number	0000007313
Date	Feb 7, 2017
Instrument	7313

Lender

Name	BAXTER CU
Type	Credit Union
Address	VERNON HILLS, IL 60061

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Feb 6, 2022

Interest

Rate Type	Adjustable Rate

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	$12,106.00 (+3.95%)	$166,690 (+8.57%) Land $31,976 Building $134,714	$500,270 (+8.57%) Land $95,966 Building $404,304
2024	$11,646.00 (+11.49%) Homeowner's exemption	$153,532 (+21.39%) Land $29,452 Building $124,080	$460,780 (+21.44%) Land $88,391 Building $372,389
2022	$10,446.00 (+4.31%) Homeowner's exemption	$126,475 (+6.96%) Land $24,262 Building $102,213	$379,425 (+6.96%) Land $72,786 Building $306,639
2021	$10,014.00 Homeowner's exemption	$118,245 Land $22,683 Building $95,562	$354,735 Land $68,049 Building $286,686

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
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

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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