38W173 Hopps Rd, Elgin, IL 60124 Property Records

Kane County property record for 38W173 Hopps Rd, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,812 sqft · built 1971
Lot Size	0.551 acres (24,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$310,000 (Sep 2020)
Tax Bill	$8,725 (2025)
Deeds & Mortgages	May 2018 Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-31-276-003`

Property Details

APN / Parcel Number

Primary APN	`06-31-276-003`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,812 sqft Living Area
Gross Area	3,012 sqft
1st Floor Area	1,812 sqft
Basement Area	1,200 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Construction Type	Frame
Lot Area	24,000 sqft (0.551 acres)
Garage Type	Attached
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	38W173 HOPPS RD
City	ELGIN
State	IL
Zip	60124-8523
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NISKAYUNA SUB LOT 43
Legal Subdivision	NISKAYUNA SUB
Legal Block	1
Legal Lot Number	43
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1009
Census Tract	851912

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	38W173 HOPPS RD, ELGIN, IL 60124-8523
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 31, 2018	Deed of Trust, Mortgage · Commercial Mortgage FIRST AMERICAN BANK
Sep 29, 2020	Warranty Deed, Transfer · Conventional Mortgage KEY MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2020 · Amount on Record
Deed Sale	Sep 29, 2020 · Amount on Record
Deed Document Number	202056893
Prior Transfer Date	Nov 22, 2005
Prior Transfer Doc	0000150722
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	38W173 HOPPS RD, ELGIN, IL 60124-8523
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025120
Date	May 31, 2018
Instrument	2018K025120

Lender

Name	FIRST AMERICAN BANK
Type	Bank
Address	HAMPSHIRE, IL 60140

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jun 1, 2028

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Change Frequency	Monthly

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 29, 2020
Property Address	38W173 HOPPS RD, ELGIN, IL 60124-8523
Document Number	0000056893
Instrument Date	Jul 31, 2020
Instrument	2020K056893
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$310.00
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	38W173 HOPPS RD, ELGIN, IL 60124-8523

Mortgage

Document Number	0000056894
Date	Sep 29, 2020
Instrument	2020K056894

Lender

Name	KEY MORTGAGE SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Aug 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.37%

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
Unified School District	School District U-46 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,725.00 (+13.11%) Homeowner's exemption	$135,333 (+8.57%) Land $32,080 Building $103,253	$406,161 (+8.57%) Land $96,279 Building $309,883
2024		$124,651 (+21.4%) Land $29,548 Building $95,103	$374,103 (+21.44%) Land $88,679 Building $285,423
2022	$7,714.00 (+6.11%) Homeowner's exemption	$102,682 (+6.96%) Land $24,340 Building $78,342	$308,046 (+6.96%) Land $73,020 Building $235,026
2021	$7,270.00 Homeowner's exemption	$96,000 Land $22,756 Building $73,244	$288,000 Land $68,268 Building $219,732

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	May 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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 115 locations within half a mile, as of December 31, 2025

Provider	Max 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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