Kane County property record for 38W530 Hopps Rd, Elgin, IL 60124
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,744 sqft · built 1978 |
| Lot Size | 1.01 acres (44,400 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $410,000 (Dec 2025) |
| Deeds & Mortgages | Jul 2025 Mortgage Jan 2025 Second Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-31-101-016 |
| Primary APN | 06-31-101-016 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,744 sqft Living Area |
| Gross Area | 3,488 sqft |
| 1st Floor Area | 1,744 sqft |
| Basement Area | 1,744 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Construction Type | Frame |
| Lot Area | 44,400 sqft |
| Lot Width | 180 ft Width |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Street Address | 38W530 HOPPS RD |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60124-8527 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MITAWA SUB LOT 66 |
| Legal Subdivision | MITAWA SUB |
| Legal Block | 2 |
| Legal Lot Number | 66 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 851912 |
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 | 38W530 HOPPS RD, ELGIN, IL 60124-8527 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Man |
| Date | Document |
|---|---|
| Jul 24, 2025 | Deed of Trust, Mortgage · VA Mortgage OPTIMUM FIRST INC |
| Jan 15, 2025 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU |
| Dec 15, 2025 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Oct 8, 2021 | Warranty Deed, Transfer · VA Mortgage KEY MORTGAGE SERVICES INC |
| Oct 11, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CIBM BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 15, 2025 · Amount on Record |
| Deed Sale | Dec 15, 2025 · Amount on Record |
| Prior Sale | Oct 8, 2021 · Amount on Record |
| Deed Document Number | 202549753 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 38W530 HOPPS RD, ELGIN, IL 60124-8527 |
| Transaction Type | Mortgage |
| Record Updated | Jan 7, 2026 |
| Name | Verified Name |
|---|---|
| Address | 38W530 HOPPS RD, ELGIN, IL 60124-8527 |
| Document Number | 0000027527 |
|---|---|
| Date | Jul 24, 2025 |
| Instrument | 2025K027527 |
| Name | OPTIMUM FIRST INC |
|---|---|
| Type | Mortgage Company |
| Address | HUNTINGTON BEACH, CA 92647 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2055 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.12% |
| Change Frequency | Annually |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 38W530 HOPPS RD, ELGIN, IL 60124-8527 |
| Transaction Type | Mortgage |
| Record Updated | Jan 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000001872 |
|---|---|
| Date | Jan 15, 2025 |
| Instrument | 2025K001872 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Feb 1, 2045 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Dec 15, 2025 |
| Property Address | 38W530 HOPPS RD, ELGIN, IL 60124-8527 |
| Document Number | 0000049753 |
| Instrument Date | Nov 24, 2025 |
| Instrument | 2025K049753 |
| Transaction Type | Transfer |
| Record Updated | Jan 7, 2026 |
| Title Company | US NATIONAL TITLE INSURANCE COMPANY, ADVOCUS NATIONAL TTL INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $410.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 38W530 HOPPS RD, ELGIN, IL 60124-8527 |
| Document Number | 0000049754 |
|---|---|
| Date | Dec 15, 2025 |
| Instrument | 2025K049754 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2055 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.44% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Oct 8, 2021 |
| Property Address | 38W530 HOPPS RD, ELGIN, IL 60124-8527 |
| Document Number | 0000076510 |
| Instrument Date | Oct 1, 2021 |
| Instrument | 2021K076510 |
| Transaction Type | Transfer |
| Record Updated | Oct 18, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $355.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 701 N RIVER DR, WEST BEND, WI 53090 |
| Document Number | 0000076511 |
|---|---|
| Date | Oct 8, 2021 |
| Instrument | 2021K076511 |
| Name | KEY MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.12% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 38W530 HOPPS RD, ELGIN, IL 60124-8527 |
| Document Number | 0000054966 |
| Instrument Date | Oct 11, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2018 |
| Title Company | PRECISION TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 38W530 HOPPS RD ELGIN IL 601248527, ELGIN, IL 60124-8527 |
| Document Number | 0000054966 |
|---|---|
| Date | Oct 19, 2017 |
| Instrument | 54966 |
| Name | CIBM BK |
|---|---|
| Type | Bank |
| Address | NAPERVILLE, IL 60563 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Oct 18, 2042 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4% |
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 | Homeowner's exemption Veteran's exemption | $135,788 (+8.57%) Land $37,715 Building $98,073 | $407,527 (+8.57%) Land $113,190 Building $294,337 |
| 2024 | Disabled Person's exemption Veteran's exemption | $125,070 (+21.39%) Land $34,738 Building $90,332 | $375,360 (+21.44%) Land $104,256 Building $271,104 |
| 2022 | Disabled Person's exemption Veteran's exemption | $103,028 Land $28,616 Building $74,412 | $309,084 Land $85,848 Building $223,236 |
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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 86% 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 90 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 |
| AT&T DSL | 100 / 20 |
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