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39W105 Cliff Dr, Elgin, IL 60124 Property Records

Kane County property record for 39W105 Cliff Dr, Elgin, IL 60124

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 2,095 sqft · built 1979
Lot Size1.15 acres (50,094 sqft)
Owner2 Company Names on Record
Tax Bill$8,766 (2025)
Deeds & MortgagesFeb 2023 Reverse Mortgage
Jan 2020 Transfer
Flood ZoneZone X (minimal risk)
APN05-13-479-001

Property Details

APN / Parcel Number

Primary APN05-13-479-001

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area2,095 sqft Living Area
1st Floor Area2,095 sqft
Basement Area2,035 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1979
Effective Year BuiltEffective 1979
Exterior MaterialMetal
Lot Area50,094 sqft
Garage TypeAttached
Garage Area780 sqft
Parking Spaces3 Parking Spaces
PorchOpen Porch
Deck AreaDeck Area

Utilities, Heating & Cooling

Cooling SystemCentral

Location & Zoning

Street Address39W105 CLIFF DR
CityELGIN
StateIL
Zip60124-8116
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionMONTAGUE FOREST UNIT NO. 7 LOT 92
Legal SubdivisionMONTAGUE FOREST
Legal Block2
Legal Lot Number92
JurisdictionKANE IL
Township / Civil DivisionPLATO
Census Block Group2
Census Block2077
Census Tract850711

Owner

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

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

Owner of Record2 Company Names on Record
Mailing Address39W105 CLIFF DR, ELGIN, IL 60124-8116
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust

Deeds, Mortgages & Sale History

DateDocument
Feb 7, 2023Deed of Trust, Mortgage · Reverse Mortgage
CALCON MUTUAL MORTGAGE LLC
Jan 17, 2020Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last Transfer DateDec 17, 2024
Transfer Doc0000047929
Record UpdatedSep 20, 2026

February 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address39W105 CLIFF DR, ELGIN, IL 60124-8116
Transaction TypeMortgage
Record UpdatedFeb 14, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address39W105 CLIFF DR, ELGIN, IL 60124-8116

Mortgage

Document Number0000003952
DateFeb 7, 2023
Instrument2023K003952
Lender
NameCALCON MUTUAL MORTGAGE LLC
TypeMortgage Company
AddressSAN DIEGO, CA 92108
Agreement
TypeReverse Mortgage
AmountAmount Recorded
Term815 Months
DueJan 4, 2091
Interest
Rate TypeAdjustable Rate
Rate7.31%
AdjustableAdjustable Rate Rider
Type Change DateMar 1, 2023
Change FrequencyMonthly
Index1-Year CMT
Max Rate12.3%

January 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionKANE IL
Recording DateJan 17, 2020
Property Address39W105 CLIFF DR, ELGIN, IL 60124-8116
Document Number0000003467
Instrument DateJan 7, 2020
Instrument3467
Transaction TypeTransfer
Record UpdatedFeb 5, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address39W105 CLIFF DR ELGIN IL 601248116, ELGIN, IL 60124-8116

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionPlato Township
Unified School DistrictCentral Community Unit School District 301 (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$8,766.00 (-9.25%)$147,843 (+7.79%) Land $29,791 Building $118,052$443,706 (+7.79%) Land $89,409 Building $354,298
2024$137,158 (+9.79%) Land $27,638 Building $109,520$411,639 (+9.84%) Land $82,947 Building $328,691
2022$9,660.00 (+5.5%) Homeowner's exemption$124,922 (+7.69%) Land $23,138 Building $101,784$374,766 (+7.69%) Land $69,414 Building $305,352
2021$9,156.00 Homeowner's exemption$116,003 Land $22,353 Building $93,650$348,009 Land $67,059 Building $280,950

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies4 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 RiskLow
lower than 99.1% of the US · lower than 94% of Illinois
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemELGIN
serves 114,797 people · EPA ID IL0894380
Water SourceSurface water
Last State InspectionAug 2025
Lead19 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting8
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

ProviderMax 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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