38W640 Highland Ave, Elgin, IL 60124 Property Records

Kane County property record for 38W640 Highland Ave, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 3,326 sqft · built 1964
Lot Size	2.63 acres (114,998 sqft)
Owner	2 Individual Names on File
Last Sale	$35,000 (Sep 1999)
Tax Bill	$11,195 (2025)
Deeds & Mortgages	Apr 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-06-376-024`

Property Details

APN / Parcel Number

Primary APN	`06-06-376-024`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,326 sqft Living Area
Gross Area	4,458 sqft
1st Floor Area	3,326 sqft
Basement Area	1,132 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Construction Type	Frame
Lot Area	114,998 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Street Address	38W640 HIGHLAND AVE
City	ELGIN
State	IL
Zip	60124-7947
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NONE THAT PT OF THE E 1/2 OF THE SW 1/4 SEC 6-41-8 DESC IN BK 2256/251 (EX PT DESC IN DOC 99K091857)
Legal Range	08
Legal Township	41
Legal Section	06
Legal Block	2
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2008
Census Tract	851910

Owner

Source: Kane County assessment roll, 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 File
Mailing Address	38W640 HIGHLAND AVE, ELGIN, IL 60124-7947
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 23, 1999 · Amount on Record
Deed Sale	Sep 23, 1999 · Amount on Record
Deed Document Number	199991857
Last Transfer Date	Nov 27, 2021
Transfer Doc	0000020325
Record Updated	Sep 20, 2026

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Apr 14, 2022
Property Address	38W640 HIGHLAND AVE, ELGIN, IL 60124-7947
Document Number	0000020325
Instrument Date	Nov 27, 2021
Instrument	2022K020325
Transaction Type	Transfer
Record Updated	Apr 21, 2022
Title Company	CITYWIDE TITLE CORPORATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	38W640 HIGHLAND AVE, 38W640, ELGIN, IL 60124-7947

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	38W640 HIGHLAND AVE, ELGIN, IL 60124-7947

Mortgage

Document Number	0000020326
Date	Apr 14, 2022
Instrument	2022K020326

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Dec 1, 2051

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	$11,195.00 (+13.51%) Homeowner's exemption	$174,386 (+8.57%) Land $54,846 Building $119,540	$523,367 (+8.57%) Land $164,604 Building $358,764
2024		$160,621 (+21.39%) Land $50,517 Building $110,104	$482,056 (+21.44%) Land $151,612 Building $330,444
2022	$9,863.00 (+5.97%) Homeowner's exemption	$132,314 (+6.96%) Land $41,614 Building $90,700	$396,942 (+6.96%) Land $124,842 Building $272,100
2021	$9,307.00 Homeowner's exemption	$123,704 Land $38,906 Building $84,798	$371,112 Land $116,718 Building $254,394

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

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

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	Low lower than 96% of the US · lower than 74% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ELGIN serves 114,797 people · EPA ID IL0894380
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	19 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	8 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20