39W856 McDonald Rd, Elgin, IL 60124 Property Records

Kane County property record for 39W856 McDonald Rd, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,311 sqft · built 1920
Lot Size	2.46 acres (107,593 sqft)
Owner	2 Individual Names on Record
Last Sale	$735,000 (Oct 2025)
Tax Bill	$9,436 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-36-300-011`

Property Details

APN / Parcel Number

Primary APN	`05-36-300-011`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,311 sqft Living Area
Basement Area	1,626 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Construction Type	Frame
Foundation Type	Raised
Lot Area	107,593 sqft
Garage Type	Attached
Garage Area	588 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	39W856 MCDONALD RD
City	ELGIN
State	IL
Zip	60124-8601
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	1
Jurisdiction	KANE IL
Township / Civil Division	PLATO
Census Block Group	1
Census Block	1102
Census Tract	850709

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	598 WEXFORD DR, ELGIN, IL 60124-0217
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2025	Deed, Transfer · Conventional Mortgage THE FEDERAL SAVINGS BANK
Sep 6, 2017	Deed of Trust, Mortgage · Conventional Mortgage OLD SECOND NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 22, 2025 · Amount on Record
Deed Sale	Oct 22, 2025 · Amount on Record
Prior Sale	Sep 10, 2003 · Amount on Record
Deed Document Number	202541385
Prior Transfer Date	Mar 9, 2004
Prior Transfer Doc	0000034485
Record Updated	Oct 29, 2026

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	KANE IL
Recording Date	Oct 22, 2025
Property Address	39W856 MCDONALD RD, ELGIN, IL 60124-8601
Document Number	0000041385
Instrument Date	Oct 17, 2025
Instrument	2025K041385
Transaction Type	Transfer
Record Updated	Oct 30, 2025
Title Company	UNKNOWN, CT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$735.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	598 WEXFORD DR, ELGIN, IL 60124-0217

Mortgage

Document Number	0000041386
Date	Oct 22, 2025
Instrument	2025K041386

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.37%

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	39W856 MCDONALD RD, ELGIN, IL 60124-8601
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000046691
Date	Sep 6, 2017
Instrument	2017K046691

Lender

Name	OLD SECOND NATIONAL BANK
Type	Bank
Address	AURORA, IL 60506

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2032

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
Municipality	Campton Hills Village
Unified School District	Central Community Unit School District 301 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,436.00 (-6.03%) Homeowner's exemption Senior Citizen's exemption	$155,322 (+7.55%) Land $29,941 Building $125,381	$466,152 (+7.55%) Land $89,859 Building $376,294
2024	$10,041.00 (+3.78%) Homeowner's exemption	$144,413 (+17.55%) Land $27,770 Building $116,643	$433,412 (+17.6%) Land $83,343 Building $350,069
2022	$9,675.00 (+0.94%) Homeowner's exemption	$122,850 (+3.4%) Land $23,238 Building $99,612	$368,550 (+3.4%) Land $69,714 Building $298,836
2021	$9,585.00 Homeowner's exemption	$118,809 Land $22,440 Building $96,369	$356,427 Land $67,320 Building $289,107

Assessed value is set for property tax purposes, not a market price estimate; it is 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	3 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 94% of the US · lower than 65% of Illinois
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 111 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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