37W146 Almora Ter, Elgin, IL 60124 Property Records

Kane County property record for 37W146 Almora Ter, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,978 sqft · built 1960
Lot Size	0.566 acres (24,662 sqft)
Owner	2 Individual Names on File
Last Sale	$295,000 (Aug 2022)
Tax Bill	$6,239 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-08-476-015`

Property Details

APN / Parcel Number

Primary APN	`06-08-476-015`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,978 sqft Living Area

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Split Level
Construction Type	Frame
Lot Area	24,662 sqft (0.566 acres)
Lot Dimensions	209 ft deep x 118 ft wide
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	37W146 ALMORA TER
City	ELGIN
State	IL
Zip	60124-4826
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ALMORA HEIGHTS 3RD ADDN LOT 10 BLOCK 4
Legal Subdivision	ALMORA HEIGHTS
Legal Block	4
Legal Lot Number	10
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4009
Census Tract	851904

Owner

37W146 Almora Ter is owned and occupied by two individuals who bought it in August 2022.

Source: Kane County records, as of August 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	37W146 ALMORA TER, ELGIN, IL 60124-4826
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2022	Deed, Transfer · Conventional Mortgage HOMEXPRESS MORTGAGE CORP
Aug 28, 2020	Deed of Trust, Mortgage · Commercial Mortgage WEST SUBURBAN BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2022 · Amount on File
Deed Sale	Aug 22, 2022 · Amount on File
Deed Document Number	202242289
Prior Transfer Date	Oct 21, 2016
Prior Transfer Doc	0000062716
Record Updated	Sep 20, 2026

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	Aug 22, 2022
Property Address	37W146 ALMORA TER, ELGIN, IL 60124-4826
Document Number	0000042289
Instrument Date	Jun 21, 2022
Instrument	2022K042289
Transaction Type	Transfer
Record Updated	Aug 26, 2022
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$295.00
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	37W146 ALMORA TER, ELGIN, IL 60124-4826

Mortgage

Document Number	0000042290
Date	Aug 22, 2022
Instrument	2022K042290

Lender

Name	HOMEXPRESS MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2052

Interest

Rate Type	Fixed Rate
Rate	6.99%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	37W146 ALMORA TER, ELGIN, IL 60124-4826
Transaction Type	Mortgage
Record Updated	Jul 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000048970
Date	Aug 28, 2020
Instrument	2020K048970

Lender

Name	WEST SUBURBAN BANK
Type	Bank
Address	LOMBARD, IL 60148

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate	3.49%

Tax Assessment & Valuation

The 2025 property tax bill for 37W146 Almora Ter was $6,239 with a homeowner's exemption.

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	$6,239.00 Homeowner's exemption	$100,730 (+8.57%) Land $27,767 Building $72,963	$302,311 (+8.57%) Land $83,334 Building $218,977
2024		$92,779 Land $25,575 Building $67,204	$278,448 Land $76,756 Building $201,693
2022	$5,968.00 (+5.63%)	$76,429 (+6.96%) Land $21,068 Building $55,361	$229,287 (+6.96%) Land $63,204 Building $166,083
2021	$5,650.00	$71,456 Land $19,697 Building $51,759	$214,368 Land $59,091 Building $155,277

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

FEMA maps place 37W146 Almora Ter in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2000.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2000)
Most Recent Claim	Jun 2000

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

Wildfire risk around 37W146 Almora Ter is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 88 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T DSL	100 / 20

May also be available: Astound Broadband, Verizon.

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