321 Hope Ct, Elgin, IL 60123 Property Records

Kane County property record for 321 Hope Ct, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,080 sqft · built 1957
Lot Size	0.14 acres (6,090 sqft)
Owner	Individual Name on Record
Last Sale	$155,000 (Mar 2021)
Tax Bill	$4,890 (2025)
Deeds & Mortgages	Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-14-478-009`

Property Details

APN / Parcel Number

Primary APN	`06-14-478-009`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,080 sqft Living Area
Gross Area	2,160 sqft
1st Floor Area	1,080 sqft
Basement Area	1,080 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Exterior Material	Aluminum/Vinyl
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
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	321 HOPE CT
City	ELGIN
State	IL
Zip	60123-6419
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RAKOW & SEAGRENS SUB LOT 7
Legal Subdivision	RAKOW&SEAGRENS SUB
Legal Block	1
Legal Lot Number	7
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	Individual Name on Record
Mailing Address	321 HOPE CT, ELGIN, IL 60123-6419
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 10, 2021 · Amount on Record
Deed Sale	Mar 10, 2021 · Amount on Record
Prior Sale	Jul 19, 2011 · Amount on Record
Deed Document Number	202118695
Prior Transfer Date	May 25, 2007
Prior Transfer Doc	0000060688
Record Updated	Oct 29, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Mar 10, 2021
Property Address	321 HOPE CT, ELGIN, IL 60123-6419
Document Number	0000018695
Instrument Date	Nov 30, 2020
Instrument	2021K018695
Transaction Type	Transfer
Record Updated	Jul 14, 2025
Title Company	CITYWIDE TITLE CORPORATION

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$155.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 HOPE CT, ELGIN, IL 60123-6419

Mortgage

Document Number	0000018696
Date	Mar 10, 2021
Instrument	2021K018696

Lender

Name	MIDWEST COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.37%

Mortgage

Document Number	0000018697
Date	Mar 10, 2021
Instrument	2021K018697

Lender

Name	ILLINOIS HOUSING DEVELOPMENT AUTHORITY
Type	Government Agency
Address	CHICAGO, IL 60601

Agreement

Type	Stand-Alone Second 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	$4,890.00 (+15.79%) Homeowner's exemption	$72,101 (+8.57%) Land $13,995 Building $58,106	$216,390 (+8.57%) Land $42,002 Building $174,388
2024		$66,409 (+21.39%) Land $12,890 Building $53,519	$199,307 (+21.44%) Land $38,685 Building $160,621
2022	$4,223.00 (+4.87%) Homeowner's exemption	$54,705 (+6.96%) Land $10,618 Building $44,087	$164,115 (+6.96%) Land $31,854 Building $132,261
2021	$4,027.00 Homeowner's exemption	$51,145 Land $9,927 Building $41,218	$153,435 Land $29,781 Building $123,654

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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