2441 Cape Cod Cir, Elgin, IL 60124 Property Records

Kane County property record for 2441 Cape Cod Cir, Elgin, IL 60124 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	2.5 Baths
Year Built	Built 2008
Square Footage	3,071 sqft Living Area
Lot Size	9,583 sqft (0.22 acres)
Occupancy	Owner Occupied
Last Sale	$477,000 (2009)
Tax Bill	$15,228.00 (2025)

Owner

Source: Kane County records · APN 06-20-426-009

Assessment roll updated July 23, 2026 · Last verified August 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 File
Mailing Address	2441 CAPE COD CIR, ELGIN, IL 60124-4365
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 09, 2009 · Amount on Record
Deed Sale	Apr 09, 2009 · Amount on Record
Deed Doc Number	200926509
Last Transfer Date	Feb 04, 2020
Transfer Doc	0000007197
Record Refreshed	Sep 20, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	2441 CAPE COD CIR, ELGIN, IL 60124-4365
Transaction Type	Mortgage
Record Updated	Aug 05, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020600
Date	Apr 24, 2020
Instrument	2020K020600

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company
Address	DES PLAINES, IL 60018

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Adjustable	Document includes a rider for adjustable-rate mortgage with a specific rate change date.
Type Change Date	May 01, 2027
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.87%
Index	1-Year LIBOR
Max Rate	8.87%

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated July 23, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	Elgin Township
Municipality	Elgin City
Unified School District	Central Community Unit School District 301 (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$15,228.00 (+6.92%) Homeowner's exemption Senior Citizen's exemption	$210,446 (+8.57%) Land $43,019 Building $167,427	$631,591 (+8.57%) Land $129,109 Building $502,482
2024		$193,834 (+21.39%) Land $39,623 Building $154,211	$581,735 (+21.44%) Land $118,917 Building $462,818
2022	$14,243.00 (+3.56%) Homeowner's exemption	$159,674 (+6.96%) Land $32,640 Building $127,034	$479,022 (+6.96%) Land $97,920 Building $381,102
2021	$13,754.00 Homeowner's exemption	$149,284 Land $30,516 Building $118,768	$447,852 Land $91,548 Building $356,304

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`06-20-426-009`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Partial Baths	1 Partial Baths
Total Rooms	8 Rooms
Building Area	3,071 sqft Living Area
Gross Area	6,142 sqft Gross Area
1st Floor	3,071 sqft 1st Floor
Basement Area	3,071 sqft Basement
Stories	1 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Construction Type	Frame Construction
Lot Area	9,583 sqft (0.22 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage

Utilities and HVAC

Cooling System	HVAC Cooling

Location & Zoning

Street Address	2441 CAPE COD CIR
City	ELGIN
State	IL
Zip	60124-4365
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	EDGEWATER SUB PHASE 2 LT 501
Legal Subdivision	EDGEWATER SUB
Legal Phase	2
Legal Block	1
Legal Lot Number	501
Jurisdiction	KANE IL
Minor Civil Division	ELGIN
Census Blockgroup	1
Census Block	1003
Census Tract	851913