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38W124 Richard Dr, Elgin, IL 60124 Property Records

Kane County property record for 38W124 Richard Dr, Elgin, IL 60124

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,876 sqft · built 1970
Lot Size0.551 acres (24,000 sqft)
Owner2 Individual Names on File
Last Sale$400,000 (Oct 2023)
Tax Bill$8,407 (2025)
Deeds & MortgagesOct 2023 Sale & Mortgage
Jan 2021 Sale
Flood ZoneZone X (minimal risk)
APN06-31-276-012

Property Details

APN / Parcel Number

Primary APN06-31-276-012

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Stories1 Story
Building Area1,876 sqft Living Area
Gross Area3,752 sqft
1st Floor Area1,876 sqft
Basement Area1,876 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1970
Effective Year BuiltEffective 1970
Construction TypeFrame
Lot Area24,000 sqft (0.551 acres)

Utilities, Heating & Cooling

Cooling SystemHVAC

Location & Zoning

Street Address38W124 RICHARD DR
CityELGIN
StateIL
Zip60124-0516
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionNISKAYUNA SUB LOT 36
Legal SubdivisionNISKAYUNA SUB
Legal Block1
Legal Lot Number36
JurisdictionKANE IL
Township / Civil DivisionELGIN
Census Block Group1
Census Block1009
Census Tract851912

Owner

38W124 Richard Dr is owned and occupied by two individuals who bought it in October 2023.

Source: Kane County records, as of July 23, 2026

Owner of Record2 Individual Names on File
Mailing Address1006 FLORIMOND DR, ELGIN, IL 60123-1421
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

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

DateDocument
Oct 30, 2023Executor's Deed, Transfer · Conventional Mortgage
GUARANTEED RATE INC
Jan 25, 2021Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 30, 2023 · Amount on File
Deed SaleOct 30, 2023 · Amount on File
Prior SaleJan 25, 2021 · Amount on File
Deed Document Number202337988
Record UpdatedOct 29, 2026

October 2023: Executor's Deed, Transfer

Document TypeExecutor's Deed
JurisdictionKANE IL
Recording DateOct 30, 2023
Property Address38W124 RICHARD DR, ELGIN, IL 60124-0516
Document Number0000037988
Instrument DateOct 13, 2023
Instrument2023K037988
Transaction TypeTransfer
Record UpdatedNov 6, 2023
Title CompanyCHICAGO TITLE COMPANY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$400.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address1006 FLORIMOND DR, ELGIN, IL 60123-1421

Mortgage

Document Number0000037989
DateOct 30, 2023
Instrument2023K037989
Lender
NameGUARANTEED RATE INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueNov 1, 2053

January 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateJan 25, 2021
Property Address38W124 RICHARD DR, ELGIN, IL 60124-0516
Document Number0000006049
Instrument DateOct 15, 2020
Instrument6049
Transaction TypeTransfer
Record UpdatedFeb 11, 2021
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address38W124 RICHARD DR ELGIN IL 601240516, ELGIN, IL 60124-0516

Tax Assessment & Valuation

The 2025 property tax bill for 38W124 Richard Dr was $8,407 with a homeowner's exemption.

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionElgin Township
Unified School DistrictSchool District U-46 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$8,407.00$130,691 (+8.57%) Land $32,080 Building $98,611$392,230 (+8.57%) Land $96,279 Building $295,951
2024$120,375 Land $29,548 Building $90,827$361,270 Land $88,679 Building $272,590
2022$7,034.00 (+6.58%) Homeowner's exemption$99,160 (+6.96%) Land $24,340 Building $74,820$297,480 (+6.96%) Land $73,020 Building $224,460
2021$6,600.00 Homeowner's exemption$92,707 Land $22,756 Building $69,951$278,121 Land $68,268 Building $209,853

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 38W124 Richard Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 in force
Nearby Flood Claims1 (2020)
Most Recent ClaimMay 2020 · 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.

Wildfire

The area around 38W124 Richard Dr 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 RiskNot rated
no burnable land within 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 115 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Metronet
Fiber		5,120 / 5,120
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

May also be available: AT&T.

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