29 Cypress Sq, Elgin, IL 60123 Property Records

Kane County property record for 29 Cypress Sq, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,526 sqft · built 1972
Lot Size	0.36 acres (1,588 sqft)
Owner	2 Individual Names on File
Last Sale	$181,500 (Sep 2022)
Tax Bill	$4,079 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Nov 2020 Second Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`06-10-401-025`

Property Details

APN / Parcel Number

Primary APN	`06-10-401-025`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,526 sqft Living Area
Gross Area	2,289 sqft
Basement Area	763 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Construction Type	Frame
Lot Area	1,588 sqft (0.36 acres)

Location & Zoning

Street Address	29 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-29
Legal Subdivision	LADDS ELGIN GARDEN QUARTER
Legal Block	2
Legal Lot Number	G-29
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2020
Census Tract	851000

Owner

29 Cypress Sq is owned and occupied by two individuals who bought it in September 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	29 CYPRESS SQ, ELGIN, IL 60123-2723
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 23, 2022	Warranty Deed, Transfer · FHA Mortgage NEIGHBORHOOD LOANS
Nov 19, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage KANE COUNTY TEACHERS CU
Jun 21, 2018	Deed of Trust, Mortgage · Conventional Mortgage CORPORATE AMERICA FAM CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2022 · Amount on File
Deed Sale	Sep 23, 2022 · Amount on File
Prior Sale	Jun 4, 2015 · Amount on File
Deed Document Number	202247421
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 23, 2022
Property Address	29 CYPRESS SQ, ELGIN, IL 60123-2723
Document Number	0000047421
Map Reference	DOC 1377885
Instrument Date	Sep 15, 2022
Instrument	2022K047421
Transaction Type	Transfer
Record Updated	Sep 29, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$181.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	29 CYPRESS SQ, 29, ELGIN, IL 60123-2723

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32000 PARKWAY, GLENDALE HEIGHTS, IL 60139

Mortgage

Document Number	0000047422
Date	Sep 23, 2022
Instrument	2022K047422

Lender

Name	NEIGHBORHOOD LOANS
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Fixed Rate
Rate	5.87%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	29 CYPRESS SQ, ELGIN, IL 60123-2723
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000071569
Date	Nov 19, 2020
Instrument	2020K071569

Lender

Name	KANE COUNTY TEACHERS CU
Type	Credit Union
Address	ELGIN, IL 60123

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 23, 2035

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	29 CYPRESS SQ, ELGIN, IL 60123-2723
Document Number	0000032923
Instrument Date	Jun 21, 2018
Transaction Type	Mortgage
Record Updated	Jul 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29 CYPRESS SQUARE PL ELGIN IL 60123, ELGIN, IL 60123

Mortgage

Document Number	0000032923
Date	Jul 10, 2018
Instrument	32923

Lender

Name	CORPORATE AMERICA FAM CU
Type	Credit Union
Address	ELGIN, IL 60123

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 9, 2028

Tax Assessment & Valuation

The 2025 property tax bill for 29 Cypress Sq was $4,079 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	$4,079.00 Homeowner's exemption	$61,477 (+8.57%) Land $3,842 Building $57,635	$184,505 (+8.57%) Land $11,531 Building $172,974
2024		$56,625 Land $3,539 Building $53,086	$169,943 Land $10,621 Building $159,322
2022	$3,524.00 (+5.04%) Homeowner's exemption	$46,645 (+6.96%) Land $2,915 Building $43,730	$139,935 (+6.96%) Land $8,745 Building $131,190
2021	$3,355.00 Homeowner's exemption	$43,609 Land $2,725 Building $40,884	$130,827 Land $8,175 Building $122,652

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 29 Cypress Sq in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 500 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

The area around 29 Cypress Sq 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 253 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Fox Valley Internet.

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