320 Hope Ct, Elgin, IL 60123 Property Records

Kane County property record for 320 Hope Ct, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 872 sqft · built 1957
Lot Size	0.14 acres (6,090 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,815 (2025)
Deeds & Mortgages	Jan 2020 Line of Credit Jul 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`06-14-478-004`

Property Details

APN / Parcel Number

Primary APN	`06-14-478-004`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	872 sqft Living Area
Gross Area	1,744 sqft
1st Floor Area	872 sqft
Basement Area	872 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Construction Type	Frame
Lot Area	6,090 sqft (0.14 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	320 HOPE CT
City	ELGIN
State	IL
Zip	60123-6419
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RAKOW & SEAGRENS SUB LOT 2
Legal Subdivision	RAKOW&SEAGRENS SUB
Legal Block	1
Legal Lot Number	2
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1003
Census Tract	851600

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	2 Individual Names on Record
Mailing Address	320 HOPE CT, ELGIN, IL 60123-6419
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2020	Deed of Trust, Mortgage · Line of Credit OLD SECOND NATIONAL BANK
Jul 3, 2018	Deed of Trust, Mortgage · Line of Credit OLD SECOND NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	320 HOPE CT, ELGIN, IL 60123-6419
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	HERITAGE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003576
Date	Jan 21, 2020
Instrument	2020K003576

Lender

Name	OLD SECOND NATIONAL BANK
Type	Bank
Address	AURORA, IL 60506

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 25, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	320 HOPE CT, ELGIN, IL 60123-6419
Document Number	0000035927
Instrument Date	Jul 3, 2018
Transaction Type	Mortgage
Record Updated	Aug 6, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	320 HOPE CT ELGIN IL 601236419, ELGIN, IL 60123-6419

Mortgage

Document Number	0000035927
Date	Jul 25, 2018
Instrument	35927

Lender

Name	OLD SECOND NAT'L BK
Type	Bank
Address	ELGIN, IL 60124

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 24, 2048

Interest

Rate Type	Adjustable Rate
Rate	5%

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	$3,815.00 (+12.57%) Homeowner's exemption Senior Citizen's exemption	$66,016 (+8.57%) Land $13,995 Building $52,021	$198,127 (+8.57%) Land $42,002 Building $156,125
2024		$60,805 (+21.39%) Land $12,890 Building $47,915	$182,488 (+21.44%) Land $38,685 Building $143,803
2022	$3,389.00 (+130.86%) Homeowner's exemption	$50,089 (+6.96%) Land $10,618 Building $39,471	$150,267 (+6.96%) Land $31,854 Building $118,413
2021	$1,468.00 Homeowner's exemption	$46,830 Land $9,927 Building $36,903	$140,490 Land $29,781 Building $110,709

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 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 440 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
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Fox Valley Internet, Verizon.

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