39 Cypress Sq, Elgin, IL 60123 Property Records

Kane County property record for 39 Cypress Sq, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,538 sqft · built 1973
Lot Size	0.36 acres (1,588 sqft)
Owner	Individual Name on File
Last Sale	$168,000 (Aug 2021)
Tax Bill	$3,483 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`06-10-401-030`

Property Details

APN / Parcel Number

Primary APN	`06-10-401-030`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,538 sqft Living Area
Gross Area	2,269 sqft
Basement Area	731 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Construction Type	Frame
Lot Area	1,588 sqft (0.36 acres)

Location & Zoning

Street Address	39 CYPRESS SQ
City	ELGIN
State	IL
Zip	60123-2723
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LADDS ELGIN GARDEN QUARTER LOT G-39
Legal Subdivision	LADDS ELGIN GARDEN QUARTER
Legal Block	2
Legal Lot Number	G-39
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2020
Census Tract	851000

Owner

39 Cypress Sq is owned and occupied by an individual who bought it in August 2021.

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

Owner of Record	Individual Name on File
Mailing Address	39 CYPRESS SQ, ELGIN, IL 60123-2723
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 2, 2021 · Amount on File
Deed Sale	Aug 2, 2021 · Amount on File
Prior Sale	Oct 16, 2014 · Amount on File
Deed Document Number	202158625
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 2, 2021
Property Address	39 CYPRESS SQ, ELGIN, IL 60123-2723
Document Number	0000058625
Instrument Date	Jul 28, 2021
Instrument	2021K058625
Transaction Type	Transfer
Record Updated	Aug 5, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$168.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 CYPRESS SQ, ELGIN, IL 60123-2723

Mortgage

Document Number	0000058626
Date	Aug 2, 2021
Instrument	2021K058626

Lender

Name	CITYWIDE HOME LOANS
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

Interest

Rate	3.75%

Mortgage

Document Number	0000058627
Date	Aug 2, 2021
Instrument	2021K058627

Lender

Name	ILLINOIS HOUSING DEVELOPMENT AUTHORITY
Type	Government Agency
Address	CHICAGO, IL 60601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 39 Cypress Sq was $3,483 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
Municipality	Elgin City
Unified School District	School District U-46 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,483.00 Homeowner's exemption	$61,657 (+8.57%) Land $3,842 Building $57,815	$185,045 (+8.57%) Land $11,531 Building $173,514
2024		$56,790 Land $3,539 Building $53,251	$170,438 Land $10,621 Building $159,817
2022	$3,536.00 (+5.05%) Homeowner's exemption	$46,781 (+6.96%) Land $2,915 Building $43,866	$140,343 (+6.96%) Land $8,745 Building $131,598
2021	$3,366.00 Homeowner's exemption	$43,737 Land $2,725 Building $41,012	$131,211 Land $8,175 Building $123,036

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

FEMA maps place 39 Cypress Sq in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2014 · 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 39 Cypress Sq 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.

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 253 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Fox Valley Internet.

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