2989 Wagon Rd, Elgin, IL 60124 Property Records

Kane County property record for 2989 Wagon Rd, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,722 sqft · built 2008
Lot Size	0.43 acres (18,731 sqft)
Owner	2 Company Names on Record
Last Sale	$435,000 (Jul 2018)
Tax Bill	$14,436 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Jul 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05-24-480-007`

Property Details

APN / Parcel Number

Primary APN	`05-24-480-007`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,722 sqft Living Area
Basement Area	1,819 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Construction Type	Frame
Lot Area	18,731 sqft (0.43 acres)
Garage Area	546 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	2989 WAGON RD
City	ELGIN
State	IL
Zip	60124-3816
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHADOW HILL UNIT 1B LT 185
Legal Subdivision	SHADOW HILL
Legal Block	1
Legal Lot Number	185
Legal Unit	1B
Jurisdiction	KANE IL
Township / Civil Division	PLATO
Census Block Group	1
Census Block	1011
Census Tract	850711

Owner

Source: Kane County records, as of July 21, 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	2989 WAGON RD, ELGIN, IL 60124-3816
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage OTTAWA SAVINGS BANK
Jul 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage OTTAWA SAVINGS BANK
Oct 11, 2018	Deed of Trust, Mortgage · ARM OTTAWA SAVINGS BANK
Jul 13, 2018	Warranty Deed, Transfer · ARM RESOURCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2018 · Amount on Record
Deed Sale	Jul 13, 2018 · Amount on Record
Prior Sale	Oct 13, 2010 · Amount on Record
Deed Document Number	201833777
Last Transfer Date	May 10, 2024
Transfer Doc	0000018421
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	2989 WAGON RD, ELGIN, IL 60124-3816
Transaction Type	Mortgage
Record Updated	Nov 24, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000086692
Date	Nov 17, 2021
Instrument	2021K086692

Lender

Name	OTTAWA SAVINGS BANK
Type	Bank
Address	OTTAWA, IL 61350

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	344 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	2989 WAGON RD, ELGIN, IL 60124-3816
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000035673
Date	Jul 2, 2020
Instrument	2020K035673

Lender

Name	OTTAWA SAVINGS BANK
Type	Bank
Address	OTTAWA, IL 61350

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	2989 WAGON RD, ELGIN, IL 60124-3816
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000049874
Date	Oct 11, 2018
Instrument	2018K049874

Lender

Name	OTTAWA SAVINGS BANK
Type	Bank
Address	OTTAWA, IL 61350

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Nov 1, 2023
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	6%
Index	1-Year CMT
Max Rate	9%

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 13, 2018
Property Address	2989 WAGON RD, ELGIN, IL 60124-3816
Document Number	0000033777
Map Reference	DOC2005K066187
Instrument Date	Jul 6, 2018
Instrument	2018K033777
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$435.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2989 WAGON RD, 2989, ELGIN, IL 60124-3816

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	902 S RANDALL RD, SAINT CHARLES, IL 60174-1781

Mortgage

Document Number	0000033778
Date	Jul 13, 2018
Instrument	2018K033778

Lender

Name	RESOURCE BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Aug 1, 2023
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	6.5%
Index	1-Year LIBOR
Max Rate	9.5%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$14,436.00 (+2.09%)
2024		$176,094 (+17.1%) Land $29,480 Building $146,614	$528,493 (+17.14%) Land $88,475 Building $440,018
2022	$14,141.00 (-0.35%) Homeowner's exemption	$150,385 (+3.51%) Land $24,917 Building $125,468	$451,155 (+3.51%) Land $74,751 Building $376,404
2021	$14,191.00 Homeowner's exemption	$145,285 Land $24,072 Building $121,213	$435,855 Land $72,216 Building $363,639

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 70% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 126 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
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: Astound Broadband.

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