35W942 Bowes Rd, Elgin, IL 60123 Property Records

Kane County property record for 35W942 Bowes Rd, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,780 sqft · built 1961
Lot Size	0.214 acres (9,310 sqft)
Owner	2 Individual Names on Record
Last Sale	$205,000 (Jul 2020)
Tax Bill	$6,104 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-27-301-003`

Property Details

APN / Parcel Number

Primary APN	`06-27-301-003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,780 sqft Living Area
1st Floor Area	1,780 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	9,310 sqft (0.214 acres)
Lot Dimensions	133 ft deep x 70 ft wide
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Municipal

Location & Zoning

Street Address	35W942 BOWES RD
City	ELGIN
State	IL
Zip	60123-6767
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ELGIN ESTATES UNIT 1 WESTERLY 70 FT LOTS 29 & 30
Legal Subdivision	ELGIN ESTATES
Legal Block	3
Legal Lot Number	29,30
Legal Unit	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3013
Census Tract	851908

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	35W942 BOWES RD, ELGIN, IL 60123-6767
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE FEDERAL SAVINGS BANK
Jul 22, 2020	Warranty Deed, Transfer · VA Mortgage SERVION INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2020 · Amount on Record
Deed Sale	Jul 22, 2020 · Amount on Record
Deed Document Number	202039867
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	35W942 BOWES RD, ELGIN, IL 60123-6767
Transaction Type	Mortgage
Record Updated	Apr 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022421
Date	Mar 23, 2021
Instrument	2021K022421

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60607

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.25%

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 22, 2020
Property Address	35W942 BOWES RD, ELGIN, IL 60123-6767
Document Number	0000039867
Instrument Date	Apr 29, 2020
Instrument	39867
Transaction Type	Transfer
Record Updated	Aug 12, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$308.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	35W942 BOWES RD ELGIN IL 601236767, ELGIN, IL 60123-6767

Mortgage

Document Number	39868
Date	Jul 22, 2020
Instrument	39868

Lender

Name	SERVION INC
Address	NEW BRIGHTON, MN 55112

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 21, 2050

Interest

Rate Type	Fixed Rate
Rate	4.37%

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
Unified School District	School District U-46 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,104.00 (+13.08%) Homeowner's exemption	$97,076 (+8.57%) Land $21,319 Building $75,757	$291,345 (+8.57%) Land $63,983 Building $227,362
2024		$89,413 (+21.39%) Land $19,636 Building $69,777	$268,346 (+21.44%) Land $58,932 Building $209,415
2022	$5,398.00 (+6.3%) Homeowner's exemption	$73,656 (+6.96%) Land $16,176 Building $57,480	$220,968 (+6.96%) Land $48,528 Building $172,440
2021	$5,078.00 Homeowner's exemption	$68,863 Land $15,123 Building $53,740	$206,589 Land $45,369 Building $161,220

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	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	IL AMERICAN-ROLLINS private · serves 231 people · EPA ID IL0895150
Water Source	Groundwater
Last State Inspection	Jun 2023
Also Mapped Here	SOUTH ELGIN
Lead	4 ppb (2026) action level 15 ppb
Copper	1.41 mg/L (2019–2021) action level 1.3 mg/L

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 477 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
AT&T DSL	100 / 20

May also be available: Metronet.

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