Kane County property record for 38W686 Ridgewood Ln, Elgin, IL 60124 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1971 |
| Square Footage | 1,820 sqft Living Area |
| Lot Size | 26,492 sqft (0.608 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $138,000 (1996) |
| Tax Bill | $8,540.00 (2025) |
| Primary APN | 06-06-326-015 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Building Area | 1,820 sqft Living Area |
| Gross Area | 2,589 sqft Gross Area |
| Basement Area | 769 sqft Basement |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Construction Type | Frame Construction |
| Foundation Type | No Foundation Foundation |
| Lot Area | 26,492 sqft (0.608 acres) |
| Lot Width | 76 ft Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Street Address | 38W686 RIDGEWOOD LN |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60124-7912 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | WILDWOOD VALLEY LOT 33 |
| Legal Subdivision | WILDWOOD VALLEY |
| Legal Block | 2 |
| Legal Lot Number | 33 |
| Jurisdiction | KANE IL |
| Minor Civil Division | ELGIN |
| Census Blockgroup | 2 |
| Census Block | 2009 |
| Census Tract | 851910 |
Source: Kane County records · APN 06-06-326-015
Assessment roll updated July 23, 2026 · Last verified August 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 | 38W686 RIDGEWOOD LN, ELGIN, IL 60124-7912 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Tenant By Entirety |
| Date | Document |
|---|---|
| Sep 02, 2022 | Deed of Trust, Mortgage · Line of Credit DIGITAL FCU |
| Sep 25, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Oct 29, 2019 | Deed of Trust, Mortgage · Conventional Mortgage BAXTER CU |
| Mar 24, 2017 | Warranty Deed, Transfer · Conventional Mortgage ANGEL OAK MTG SOLUTIONS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 08, 1996 · Amount on Record |
| Deed Sale | Nov 08, 1996 · Amount on Record |
| Deed Doc Number | 199679535 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 38W686 RIDGEWOOD LN, ELGIN, IL 60124-7912 |
| Transaction Type | Mortgage |
| Record Updated | Sep 09, 2022 |
| Name | Verified Name |
|---|---|
| Address | 38W 686 RIGEWOOD LN, ELGIN, IL 60124 |
| Document Number | 0000044243 |
|---|---|
| Date | Sep 02, 2022 |
| Instrument | 2022K044243 |
| Name | DIGITAL FCU |
|---|---|
| Type | Credit Union |
| Address | MARLBOROUGH, MA 01752 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 479 Months |
| Due | Aug 25, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 38W686 RIDGEWOOD LN, ELGIN, IL 60124-7912 |
| Transaction Type | Mortgage |
| Record Updated | Aug 05, 2022 |
| Title Company | CARRINGTON TTL PARTNERS LLC |
| Name | Verified Name |
|---|
| Document Number | 0000056178 |
|---|---|
| Date | Sep 25, 2020 |
| Instrument | 2020K056178 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.75% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 38W686 RIDGEWOOD LN, ELGIN, IL 60124-7912 |
| Document Number | 0000056525 |
| Instrument Date | Oct 29, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 04, 2019 |
| Title Company | MIS BOX |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 38W686 RIDGEWOOD LN ELGIN IL 601247912, ELGIN, IL 60124-7912 |
| Document Number | 0000056525 |
|---|---|
| Date | Nov 21, 2019 |
| Instrument | 56525 |
| Name | BAXTER CU |
|---|---|
| Type | Credit Union |
| Address | VERNON HILLS, IL 60061 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Nov 20, 2029 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Mar 24, 2017 |
| Property Address | 38W686 RIDGEWOOD LN, ELGIN, IL 60124-7912 |
| Document Number | 0000015063 |
| Instrument Date | Feb 10, 2017 |
| Instrument | 15063 |
| Transaction Type | Transfer |
| Record Updated | May 03, 2017 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $412.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 38 W 686 RIDGEWOOD LN ELGIN IL 60124, ELGIN, IL 60124 |
| Document Number | 15064 |
|---|---|
| Date | Mar 24, 2017 |
| Instrument | 15064 |
| Name | ANGEL OAK MTG SOLUTIONS |
|---|---|
| Address | ATLANTA, GA 30305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 23, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.49% |
Source: Kane County records · Assessment roll updated July 23, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Elgin Township |
| Unified School District | School District U-46 (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,540.00 (+13.49%) Homeowner's exemption | $134,932 (+8.57%) Land $40,779 Building $94,153 | $404,958 (+8.57%) Land $122,386 Building $282,572 |
| 2024 | $124,281 (+21.39%) Land $37,560 Building $86,721 | $372,992 (+21.44%) Land $112,725 Building $260,267 | |
| 2022 | $7,525.00 (+6.08%) Homeowner's exemption | $102,379 (+6.96%) Land $30,941 Building $71,438 | $307,137 (+6.96%) Land $92,823 Building $214,314 |
| 2021 | $7,094.00 Homeowner's exemption | $95,717 Land $28,928 Building $66,789 | $287,151 Land $86,784 Building $200,367 |
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