2395 Bowes Rd, Elgin, IL 60123 Property Records

Kane County property record for 2395 Bowes Rd, Elgin, IL 60123

Property Summary

Property Type	Commercial
Details	10,218 sqft · built 2002
Lot Size	1.86 acres (81,022 sqft)
Owner	2 Company Names on Record
Last Sale	$2,652,000 (Jan 2006)
Tax Bill	$70,756 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-28-325-001`

Property Details

APN / Parcel Number

Primary APN	`06-28-325-001`

Interior

Stories	1 Story
Building Area	10,218 sqft Gross Area
1st Floor Area	10,218 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Brick
Lot Area	81,022 sqft

Location & Zoning

Street Address	2395 BOWES RD
City	ELGIN
State	IL
Zip	60123-5572
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	ELGIN STATE BANK PLAZA SUB LOT 1
Legal Subdivision	ELGIN STATE BANK PLAZA SUB
Legal Block	5
Legal Lot Number	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	5
Census Block	5000
Census Tract	851907

Owner

Source: Kane County records, as of August 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	6310 SAN VICENTE BLVD, 250, LOS ANGELES, CA 90048-5447
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2026	Deed of Trust, Mortgage · Conventional Mortgage REAL ESTATE FUNDING
Jul 26, 2021	Deed of Trust, Mortgage · Commercial Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 13, 2006 · Amount on Record
Deed Sale	Jan 13, 2006 · Amount on Record
Prior Sale	Feb 1, 2002 · Amount on Record
Deed Document Number	20065393
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	Aug 18, 2026
Property Address	2395 BOWES RD, ELGIN, IL 60123-5572
Document Number	0000035501
Instrument Date	Aug 4, 2026
Instrument	202635501
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266

Mortgage

Document Number	0000035501,
Date	Aug 18, 2026
Instrument	202635501

Lender

Name	REAL ESTATE FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	2395 BOWES RD, ELGIN, IL 60123-5572
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000056963
Date	Jul 26, 2021
Instrument	2021K056963

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	NEW YORK, NY 10179

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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	$70,756.00 (+15.96%)	$927,461 (+8.57%) Land $294,646 Building $632,815	$2,783,496 (+8.57%) Land $884,292 Building $1,899,205
2024		$854,252 (+21.39%) Land $271,388 Building $582,864	$2,563,782 (+21.44%) Land $814,490 Building $1,749,292
2022	$61,018.00 (+3.95%)	$703,703 (+6.96%) Land $223,560 Building $480,143	$2,111,109 (+6.96%) Land $670,680 Building $1,440,429
2021	$58,697.00	$657,913 Land $209,013 Building $448,900	$1,973,739 Land $627,039 Building $1,346,700

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 Policies	1 in force

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 231 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
Starlink Satellite	280 / 30
Fox Valley Internet Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Verizon.

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