39W190 Cliff Dr, Elgin, IL 60124 Property Records

Kane County property record for 39W190 Cliff Dr, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,400 sqft · built 1986
Lot Size	0.93 acres (40,511 sqft)
Owner	2 Individual Names on Record
Last Sale	$305,000 (Jun 2018)
Tax Bill	$7,991 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-13-477-001`

Property Details

APN / Parcel Number

Primary APN	`05-13-477-001`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,400 sqft Living Area
Basement Area	1,140 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	40,511 sqft (0.93 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	39W190 CLIFF DR
City	ELGIN
State	IL
Zip	60124-8115
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MONTAGUE FOREST UNIT NO. 7 - LOT 86
Legal Subdivision	MONTAGUE FOREST
Legal Block	2
Legal Lot Number	86
Legal Unit	7
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	2 Individual Names on Record
Mailing Address	39W190 CLIFF DR, ELGIN, IL 60124-8115
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2019	Deed of Trust, Mortgage · Conventional with PMI GUARANTEED RATE
Jun 11, 2018	Warranty Deed, Transfer · Conventional with PMI GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2018 · Amount on Record
Deed Sale	Jun 11, 2018 · Amount on Record
Deed Document Number	201827154
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	39W190 CLIFF DR, ELGIN, IL 60124-8115
Document Number	0000052360
Instrument Date	Oct 17, 2019
Transaction Type	Mortgage
Record Updated	Nov 12, 2019
Title Company	ATTORNEY'S TITLE, ATTORNEYS TITLE GUARANTY FUND

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	39W190 CLIFF RD ELGIN IL 60124, ELGIN, IL 60124

Mortgage

Document Number	0000052360
Date	Oct 31, 2019
Instrument	52360

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 30, 2049

Interest

Rate Type	Fixed Rate
Rate	3.87%

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jun 11, 2018
Property Address	39W190 CLIFF DR, ELGIN, IL 60124-8115
Document Number	0000027154
Instrument Date	May 26, 2018
Instrument	27154
Transaction Type	Transfer
Record Updated	Jun 26, 2018
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$457.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	39W190 CLIFF DR ELGIN IL 601248115, ELGIN, IL 60124-8115

Mortgage

Document Number	27155
Date	Jun 11, 2018
Instrument	27155

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 10, 2048

Interest

Rate Type	Fixed Rate
Rate	4.5%

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	$7,991.00 (-4.8%) Homeowner's exemption	$128,191 (+7.79%) Land $29,791 Building $98,400	$384,727 (+7.79%) Land $89,409 Building $295,318
2024		$118,927 (+13.28%) Land $27,638 Building $91,289	$356,924 (+13.32%) Land $82,947 Building $273,977
2022	$8,394.00 (-0.9%) Homeowner's exemption	$104,989 (+1.79%) Land $23,138 Building $81,851	$314,967 (+1.79%) Land $69,414 Building $245,553
2021	$8,470.00 Homeowner's exemption	$103,140 Land $22,353 Building $80,787	$309,420 Land $67,059 Building $242,361

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Astound Broadband, AT&T, Verizon.

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