20 Cypress Sq, Elgin, IL 60123 Property Records

Kane County property record for 20 Cypress Sq, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,538 sqft · built 1973
Lot Size	0.36 acres (1,588 sqft)
Owner	Individual Name on Record
Tax Bill	$3,915 (2025)
Deeds & Mortgages	Jun 2017 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`06-10-401-035`

Property Details

APN / Parcel Number

Primary APN	`06-10-401-035`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,538 sqft Living Area

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Townhouse
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	1,588 sqft (0.36 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	20 CYPRESS SQ
City	ELGIN
State	IL
Zip	60123-2723
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LADDS ELGIN GARDEN QUARTER LOT G-20
Legal Subdivision	LADDS ELGIN GARDEN QUARTER
Legal Block	2
Legal Lot Number	G-20
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2020
Census Tract	851000

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	Individual Name on Record
Mailing Address	20 CYPRESS SQ, ELGIN, IL 60123-2723
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 18, 2016
Deed Sale	Nov 18, 2016
Prior Sale	Jun 16, 2005 · Amount on Record
Deed Document Number	201663841
Prior Transfer Date	Nov 2, 2016
Prior Transfer Doc	0000063841
Record Updated	Oct 29, 2026

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	KANE IL
Recording Date	Jun 22, 2017
Property Address	20 CYPRESS SQ, ELGIN, IL 60123-2723
Document Number	0000032028
Instrument Date	Jun 15, 2017
Instrument	32028
Transaction Type	Transfer
Record Updated	Jul 19, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3341 ELDER LN FRANKLIN PARK IL 601311922, FRANKLIN PARK, IL 60131-1922

Mortgage

Document Number	32029
Date	Jun 22, 2017
Instrument	32029

Lender

Name	MICHIGAN MUTUAL
Type	Funding / Finance Company
Address	SOUTHFIELD, MI 48034

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 21, 2047

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	$3,915.00 (+15.76%) Homeowner's exemption	$59,317 (+8.57%) Land $3,842 Building $55,475	$178,022 (+8.57%) Land $11,531 Building $166,492
2024		$54,635 (+21.39%) Land $3,539 Building $51,096	$163,971 (+21.44%) Land $10,621 Building $153,349
2022	$3,382.00 (+5.1%) Homeowner's exemption	$45,006 (+6.96%) Land $2,915 Building $42,091	$135,018 (+6.96%) Land $8,745 Building $126,273
2021	$3,218.00 Homeowner's exemption	$42,077 Land $2,725 Building $39,352	$126,231 Land $8,175 Building $118,056

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2014 · 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 302 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 in parts of the area	100 / 20

May also be available: T-Mobile.

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