Kane County property record for 38 Cypress Sq, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,538 sqft · built 1973 |
| Lot Size | 0.36 acres (1,587 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $96,500 (Feb 1999) |
| Tax Bill | $4,060 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 06-10-401-029 |
| Primary APN | 06-10-401-029 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,538 sqft Living Area |
| Gross Area | 2,269 sqft |
| Basement Area | 731 sqft |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Construction Type | Frame |
| Lot Area | 1,587 sqft (0.36 acres) |
| Street Address | 38 CYPRESS SQ |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123-2723 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LADDS ELGIN GARDEN QUARTER LOT G-38 |
| Legal Subdivision | LADDS ELGIN GARDEN QUARTER |
| Legal Block | 2 |
| Legal Lot Number | G-38 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 851000 |
38 Cypress Sq is owned and occupied by two individuals who acquired it in December 2007.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 38 CYPRESS SQ, ELGIN, IL 60123-2723 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 5, 1999 · Amount on File |
| Deed Sale | Feb 5, 1999 · Amount on File |
| Deed Document Number | 199913833 |
| Last Transfer Date | Dec 26, 2007 |
| Transfer Doc | 0000071921 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 38 CYPRESS SQ, ELGIN, IL 60123-2723 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2021 |
| Title Company | NATIONALLINK |
| Name | Verified Name |
|---|
| Document Number | 0000086389 |
|---|---|
| Date | Nov 17, 2021 |
| Instrument | 2021K086389 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | MIAMISBURG, OH 45342 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Rate | 2.87% |
|---|
The 2025 property tax bill for 38 Cypress Sq was $4,060 with a homeowner's exemption.
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Municipality | Elgin City |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,060.00 Homeowner's exemption | $61,219 (+8.57%) Land $3,842 Building $57,377 | $183,730 (+8.57%) Land $11,531 Building $172,200 |
| 2024 | $56,387 Land $3,539 Building $52,848 | $169,229 Land $10,621 Building $158,607 | |
| 2022 | $3,507.00 (+5.03%) Homeowner's exemption | $46,449 (+6.96%) Land $2,915 Building $43,534 | $139,347 (+6.96%) Land $8,745 Building $130,602 |
| 2021 | $3,339.00 Homeowner's exemption | $43,426 Land $2,725 Building $40,701 | $130,278 Land $8,175 Building $122,103 |
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.
FEMA maps place 38 Cypress Sq in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2014) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2014 · rainfall accumulation |
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.
The area around 38 Cypress Sq has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 253 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
May also be available: Fox Valley Internet.
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