38W195 Hopps Rd, Elgin, IL 60124 Property Records

Kane County property record for 38W195 Hopps Rd, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,395 sqft · built 1987
Lot Size	0.551 acres (24,000 sqft)
Owner	Individual Name on File
Last Sale	$196,000 (Sep 2013)
Tax Bill	$5,981 (2025)
Deeds & Mortgages	Jan 2017 Mortgage Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-31-276-002`

Property Details

APN / Parcel Number

Primary APN	`06-31-276-002`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,395 sqft Living Area
Gross Area	3,182 sqft
1st Floor Area	2,395 sqft
Basement Area	787 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Split Level
Construction Type	Frame
Lot Area	24,000 sqft (0.551 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	38W195 HOPPS RD
City	ELGIN
State	IL
Zip	60124-8523
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NISKAYUNA SUB LOT 44
Legal Subdivision	NISKAYUNA SUB
Legal Block	1
Legal Lot Number	44
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	1
Census Block	1009
Census Tract	851912

Owner

38W195 Hopps Rd is owned and occupied by an individual who bought it in September 2013.

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

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

Owner of Record	Individual Name on File
Mailing Address	38W195 HOPPS RD, ELGIN, IL 60124-8523
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage TOWNSTONE FINANCIAL INC
Sep 15, 2020	Deed of Trust, Mortgage · FHA Mortgage HOMESIDE FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 20, 2013 · Amount on File
Deed Sale	Sep 20, 2013 · Amount on File
Prior Sale	Apr 3, 2013
Deed Document Number	201368566
Prior Transfer Date	Aug 10, 2007
Prior Transfer Doc	0000086376
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	38W195 HOPPS RD, ELGIN, IL 60124-8523
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	PRAIRIE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005500
Date	Jan 30, 2017
Instrument	2017K005500

Lender

Name	TOWNSTONE FINANCIAL INC
Type	Funding / Finance Company
Address	CHICAGO, IL 60607

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

Interest

Rate Type	Fixed Rate
Rate	4.12%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	38W195 HOPPS RD, ELGIN, IL 60124-8523
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000053030
Date	Sep 15, 2020
Instrument	2020K053030

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21044

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.12%

Tax Assessment & Valuation

The 2025 property tax bill for 38W195 Hopps Rd was $5,981 with exemptions applied.

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	$5,981.00 Homeowner's exemption Senior Citizen's exemption	$145,609 (+8.57%) Land $32,080 Building $113,529	$437,002 (+8.57%) Land $96,279 Building $340,723
2024		$134,116 Land $29,548 Building $104,568	$402,509 Land $88,679 Building $313,830
2022	$8,336.00 (+6.07%) Homeowner's exemption	$110,479 (+6.96%) Land $24,340 Building $86,139	$331,437 (+6.96%) Land $73,020 Building $258,417
2021	$7,859.00 Homeowner's exemption	$103,290 Land $22,756 Building $80,534	$309,870 Land $68,268 Building $241,602

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 38W195 Hopps Rd 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 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

The area around 38W195 Hopps Rd 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.

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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