Kane County property record for 38W154 Bowes Rd, Elgin, IL 60124
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 1,478 sqft · built 1988 |
| Lot Size | 0.532 acres (23,182 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $227,000 (Feb 2022) |
| Tax Bill | $5,980 (2025) |
| Deeds & Mortgages | Feb 2022 Sale & Mortgage Apr 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-30-276-043 |
| Primary APN | 06-30-276-043 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,478 sqft Living Area |
| Gross Area | 2,956 sqft |
| 1st Floor Area | 1,478 sqft |
| Basement Area | 1,478 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Construction Type | Frame |
| Lot Area | 23,182 sqft (0.532 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|
| Street Address | 38W154 BOWES RD |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60124-8471 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PANEPUCCIS RESUBDIVISION LOT 2 |
| Legal Subdivision | PANEPUCCIS RESUBD |
| Legal Block | 3 |
| Legal Lot Number | 2 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3027 |
| Census Tract | 851913 |
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 | 38W154 BOWES RD, ELGIN, IL 60124-8471 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Feb 3, 2022 | Warranty Deed, Transfer · Conventional Mortgage INLANTA MORTGAGE INC |
| Apr 24, 2017 | Deed of Trust, Mortgage · Commercial Mortgage PNC BANK NA |
| Dec 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GREAT LAKES HOME MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 3, 2022 · Amount on Record |
| Deed Sale | Feb 3, 2022 · Amount on Record |
| Prior Sale | Jul 5, 2000 · Amount on Record |
| Deed Document Number | 20226924 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Feb 3, 2022 |
| Property Address | 38W154 BOWES RD, ELGIN, IL 60124-8471 |
| Document Number | 0000006924 |
| Instrument Date | Nov 23, 2021 |
| Instrument | 2022K006924 |
| Transaction Type | Transfer |
| Record Updated | Feb 9, 2022 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $227.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 38W154 BOWES RD, ELGIN, IL 60124-8471 |
| Document Number | 0000006925 |
|---|---|
| Date | Feb 3, 2022 |
| Instrument | 2022K006925 |
| Name | INLANTA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jan 1, 2052 |
| Rate | 3.25% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 38W154 BOWES RD, ELGIN, IL 60124-8471 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000020386 |
|---|---|
| Date | Apr 24, 2017 |
| Instrument | 2017K020386 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 479 Months |
| Due | Mar 30, 2057 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
| Change Frequency | Monthly |
| Min Rate At Change | 2.25% |
| Max Rate | 24% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 38W154 BOWES RD, ELGIN, IL 60124-8471 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000079955 |
|---|---|
| Date | Dec 21, 2020 |
| Instrument | 2020K079955 |
| Name | GREAT LAKES HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | LIBERTYVILLE, IL 60048 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 144 Months |
| Due | Dec 1, 2032 |
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Unified School District | School District U-46 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,980.00 (+13.09%) Homeowner's exemption | $95,270 (+8.57%) Land $23,446 Building $71,824 | $285,924 (+8.57%) Land $70,366 Building $215,558 |
| 2024 | $87,750 (+21.39%) Land $21,595 Building $66,155 | $263,355 (+21.44%) Land $64,811 Building $198,544 | |
| 2022 | $5,288.00 (+6.31%) Homeowner's exemption | $72,285 (+6.96%) Land $17,789 Building $54,496 | $216,855 (+6.96%) Land $53,367 Building $163,488 |
| 2021 | $4,974.00 Homeowner's exemption | $67,581 Land $16,631 Building $50,950 | $202,743 Land $49,893 Building $152,850 |
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.
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 | 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 79% 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.
Source: FCC Broadband Data Collection, based on 459 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 |
| AT&T Fiber · DSL in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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