362 1/2 River Bluff Rd, Elgin, IL 60120 Property Records

Kane County property record for 362 1/2 River Bluff Rd, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,166 sqft · built 1903
Lot Size	0.248 acres (10,819 sqft)
Owner	2 Individual Names on Record
Last Sale	$459,000 (Jul 2026)
Tax Bill	$8,653 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Mar 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-12-126-005`

Property Details

APN / Parcel Number

Primary APN	`06-12-126-005`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,166 sqft Living Area
Gross Area	3,689 sqft
Basement Area	1,523 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1903
Effective Year Built	Effective 1903
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	10,819 sqft (0.248 acres)
Lot Width	66 ft Width
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	362 1/2 RIVER BLUFF RD
City	ELGIN
State	IL
Zip	60120-2422
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NORTH PARK ADDN EAST 27.2 FT WEST 198 FT NORTH 100 FT EAST 66 FT WEST 198 FT NORTH OF ALEXANDER AVE C
Legal Subdivision	NORTH PARK ADDN
Legal Block	6
Legal Lot Number	C
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	6
Census Block	6013
Census Tract	850800

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	143 N CENTER ST, BENSENVILLE, IL 60106-2105
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Mar 1, 2024	Quit Claim Deed, Transfer · ARM ASSOCIATED BANK NA
Sep 15, 2020	Warranty Deed, Transfer · ARM ASSOCIATED BANK NA
Sep 6, 2018	Warranty Deed, Transfer · FHA Mortgage STEARNS LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2026 · Amount on Record
Deed Sale	Jul 1, 2026 · Amount on Record
Prior Sale	Mar 1, 2024 · Amount on Record
Deed Document Number	202627492
Prior Transfer Date	Feb 26, 2024
Prior Transfer Doc	0000006719
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jul 1, 2026
Property Address	362 1/2 RIVER BLUFF RD, ELGIN, IL 60120-2422
Document Number	0000027492
Instrument Date	May 27, 2026
Instrument	202627492
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$69,538.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	143 N CENTER ST, BENSENVILLE, IL 60106-2105
Investor	Possibly a Property Investor

Mortgage

Document Number	0000027493,
Date	Jul 1, 2026
Instrument	202627493

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.45%
Initial Type	Fixed Rate
Max Rate	-1%

March 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Mar 1, 2024
Property Address	362 1/2 RIVER BLUFF RD, ELGIN, IL 60120-2422
Document Number	0000006719
Instrument Date	Feb 26, 2024
Instrument	2024K006719
Transaction Type	Transfer
Record Updated	Mar 8, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Amount	Amount Recorded
Tax	$16.50
Amount Accuracy	Rounded by County
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	362 1 2 RIVER BLUFF RD, ELGIN, IL 60120

Mortgage

Document Number	0000006720
Date	Mar 1, 2024
Instrument	2024K006720

Lender

Name	ASSOCIATED BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2054

Interest

Rate	8.12%
Change Frequency	10 Years

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 15, 2020
Property Address	362 1/2 RIVER BLUFF RD, ELGIN, IL 60120-2422
Document Number	0000052923
Instrument Date	Jun 8, 2020
Instrument	2020K052923
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	CITYWIDE TITLE CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$255.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	362 1 2 RIVER BLUFF ROAD, ELGIN, IL 60120

Mortgage

Document Number	0000052924
Date	Sep 15, 2020
Instrument	2020K052924

Lender

Name	ASSOCIATED BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	358 Months
Due	Jul 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2030
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.37%
Index	1-Year CMT
Max Rate	8.37%

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 6, 2018
Property Address	362 1/2 RIVER BLUFF RD, ELGIN, IL 60120-2422
Document Number	0000043697
Instrument Date	Aug 10, 2018
Instrument	2018K043697
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	$235.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	362 1 2 RIVER BLUFF RD, ELGIN, IL 60120

Mortgage

Document Number	0000043698
Date	Sep 6, 2018
Instrument	2018K043698

Lender

Name	STEARNS LENDING LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2048

Interest

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	$8,653.00 (+4.14%)	$121,422 (+8.57%) Land $22,637 Building $98,785	$364,412 (+8.57%) Land $67,938 Building $296,474
2024	$8,309.00 (+11.26%)	$111,837 (+21.39%) Land $20,850 Building $90,987	$335,645 (+21.44%) Land $62,575 Building $273,070
2022	$7,468.00 (+4.46%) Homeowner's exemption	$92,127 (+6.96%) Land $17,175 Building $74,952	$276,381 (+6.96%) Land $51,525 Building $224,856
2021	$7,149.00 Homeowner's exemption	$86,132 Land $16,057 Building $70,075	$258,396 Land $48,171 Building $210,225

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
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

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

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

Wildfire Risk	Low lower than 96% of the US · lower than 74% 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 305 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

May also be available: AT&T, T-Mobile, Verizon.

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