38W295 Hopps Rd, Elgin, IL 60124 Property Records

Kane County property record for 38W295 Hopps Rd, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,822 sqft · built 1974
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$325,000 (Aug 2022)
Tax Bill	$6,903 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-31-251-029`

Property Details

APN / Parcel Number

Primary APN	`06-31-251-029`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,822 sqft Living Area

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Split Level
Construction Type	Frame
Lot Area	43,560 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	38W295 HOPPS RD
City	ELGIN
State	IL
Zip	60124-8524
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	REIN UP ACRES LOT 1
Legal Subdivision	REIN UP ACRES
Legal Block	2
Legal Lot Number	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2024
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	38W295 HOPPS RD, ELGIN, IL 60124-8524
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU
Aug 3, 2022	Warranty Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2022 · Amount on Record
Deed Sale	Aug 3, 2022 · Amount on Record
Prior Sale	Nov 16, 2015 · Amount on Record
Deed Document Number	202239437
Prior Transfer Date	Nov 12, 2002
Prior Transfer Doc	0000161129
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Recording Date	Apr 15, 2026
Property Address	38W295 HOPPS RD, ELGIN, IL 60124-8524
Document Number	0000015312
Instrument Date	Jan 9, 2026
Instrument	202615312
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38W295 HOPPS RD, ELGIN, IL 60124-8524

Mortgage

Document Number	0000015312,
Date	Apr 15, 2026
Instrument	202615312

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	316 Months
Due	Aug 1, 2052

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 3, 2022
Property Address	38W295 HOPPS RD, ELGIN, IL 60124-8524
Document Number	0000039437
Instrument Date	Jul 20, 2022
Instrument	2022K039437
Transaction Type	Transfer
Record Updated	Aug 9, 2022
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$325.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	38W295 HOPPS RD, 38W295, ELGIN, IL 60124-8524

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	38W295 HOPPS RD, ELGIN, IL 60124-8524

Mortgage

Document Number	0000039438
Date	Aug 3, 2022
Instrument	2022K039438

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

Interest

Rate Type	Fixed Rate
Rate	5.25%

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	$6,903.00 (+2.36%) Homeowner's exemption	$108,745 (+8.57%) Land $34,534 Building $74,211	$326,366 (+8.57%) Land $103,643 Building $222,722
2024	$6,744.00 (+10.48%)	$100,161 (+21.39%) Land $31,808 Building $68,353	$300,603 (+21.44%) Land $95,462 Building $205,141
2022	$6,104.00 (+6.23%) Homeowner's exemption	$82,509 (+6.96%) Land $26,202 Building $56,307	$247,527 (+6.96%) Land $78,606 Building $168,921
2021	$5,746.00 Homeowner's exemption	$77,140 Land $24,497 Building $52,643	$231,420 Land $73,491 Building $157,929

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 Claims	1 (2020)
Claims Outside the SFHA	1 of 1
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.

Nearby Properties on Hopps Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures