39W085 Cliff Dr, Elgin, IL 60124 Property Records

Kane County property record for 39W085 Cliff Dr, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,480 sqft · built 1979
Lot Size	0.93 acres (40,511 sqft)
Owner	Individual Name on Record
Last Sale	$289,000 (Dec 2020)
Tax Bill	$9,065 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-13-479-002`

Property Details

APN / Parcel Number

Primary APN	`05-13-479-002`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,480 sqft Living Area
1st Floor Area	2,480 sqft
Basement Area	868 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Split Level
Exterior Material	Brick
Construction Type	Frame
Lot Area	40,511 sqft (0.93 acres)
Garage Type	Attached
Garage Area	690 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	39W085 CLIFF DR
City	ELGIN
State	IL
Zip	60124-8116
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	MONTAGUE FOREST
Legal Block	2
Legal Lot Number	93
Jurisdiction	KANE IL
Township / Civil Division	PLATO
Census Block Group	2
Census Block	2077
Census Tract	850711

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	Individual Name on Record
Mailing Address	39W085 CLIFF DR, ELGIN, IL 60124-8116
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 17, 2020 · Amount on Record
Deed Sale	Dec 17, 2020 · Amount on Record
Prior Sale	Nov 4, 1998 · Amount on Record
Deed Document Number	202079214
Record Updated	Oct 29, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 17, 2020
Property Address	39W085 CLIFF DR, ELGIN, IL 60124-8116
Document Number	0000079214
Instrument Date	Sep 27, 2020
Instrument	2020K079214
Transaction Type	Transfer
Record Updated	Jul 27, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$289.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39W085 CLIFF DR, ELGIN, IL 60124-8116

Mortgage

Document Number	0000079215
Date	Dec 17, 2020
Instrument	2020K079215

Lender

Name	FIRST NATIONAL BANK OF OMAHA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Nov 1, 2050

Interest

Rate	3.12%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of July 23, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	Plato Township
Unified School District	Central Community Unit School District 301 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,065.00 (+5.95%) Homeowner's exemption	$136,773 (+7.79%) Land $29,791 Building $106,982	$410,483 (+7.79%) Land $89,409 Building $321,074
2024		$126,888 (+24.65%) Land $27,638 Building $99,250	$380,816 (+24.7%) Land $82,947 Building $297,869
2022	$8,556.00 (+1.85%) Homeowner's exemption	$101,794 (+4.32%) Land $23,138 Building $78,656	$305,382 (+4.32%) Land $69,414 Building $235,968
2021	$8,401.00 Homeowner's exemption	$97,581 Land $22,353 Building $75,228	$292,743 Land $67,059 Building $225,684

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 Policies	4 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 99.1% of the US · lower than 94% 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.

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50

May also be available: Verizon.

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