Kane County property record for 39W109 Rte 20, Elgin, IL 60123
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,118 sqft · built 1920 |
| Lot Size | 3.63 acres (158,123 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $290,000 (Jul 2015) |
| Tax Bill | $1,698 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Mar 2023 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-12-400-017 |
| Primary APN | 05-12-400-017 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,118 sqft Living Area |
| 1st Floor Area | 1,118 sqft |
| Basement Area | 406 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 158,123 sqft |
| Garage Type | Detached |
| Garage Area | 1,085 sqft |
| Parking Spaces | 4 Parking Spaces |
| Deck Area | Deck Area |
| Street Address | 39W109 RTE 20 |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60123 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PART OF THE SE 1/4 SEC 12-41-7 DESC IN DOC 2002K174452 (EX PT TAKEN FOR ROAD BY DOC 2004K074542) |
| Legal Range | 07 |
| Legal Township | 41 |
| Legal Section | 12 |
| Legal Block | 2 |
| Jurisdiction | KANE IL |
| Township / Civil Division | PLATO |
| Census Block Group | 2 |
| Census Block | 2061 |
| Census Tract | 850711 |
39W109 Rte 20 is owned by two individuals who bought it in July 2015.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 219, BURLINGTON, IL 60109-0219 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 7, 2026 | Deed of Trust, Mortgage · Line of Credit RESOURCE BANK |
| Mar 31, 2023 | Deed of Trust, Mortgage · Line of Credit RESOURCE BANK |
| May 7, 2019 | Trustee's Deed, Construction Loan · Line of Credit RESOURCE BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 20, 2015 · Amount on File |
| Deed Sale | Jul 20, 2015 · Amount on File |
| Prior Sale | Jun 8, 2004 · Amount on File |
| Deed Document Number | 201538129 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jul 7, 2026 |
| Document Number | 0000028548 |
| Instrument Date | May 29, 2026 |
| Instrument | 202628548 |
| Transaction Type | Mortgage |
| Record Updated | Jul 14, 2026 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE GUARANTY |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Investor | Possibly a Property Investor |
| Document Number | 0000028548, |
|---|---|
| Date | Jul 7, 2026 |
| Instrument | 202628548 |
| Name | RESOURCE BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 36 Months |
| Due | May 29, 2029 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 39W109 RTE 20, ELGIN, IL 60123 |
| Transaction Type | Mortgage |
| Record Updated | Apr 7, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000010037 |
|---|---|
| Date | Mar 31, 2023 |
| Instrument | 2023K010037 |
| Name | RESOURCE BANK |
|---|---|
| Type | Bank |
| Address | DEKALB, IL 60115 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Mar 1, 2024 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | May 7, 2019 |
| Property Address | 39W109 RTE 20, ELGIN, IL 60123 |
| Instrument Date | Apr 25, 2019 |
| Instrument | 18106 |
| Transaction Type | Construction Loan |
| Record Updated | May 14, 2019 |
| Title Company | FOX TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 11N575 LAWRENCE RD BURLINGTON IL 601091039, BURLINGTON, IL 60109-1039 |
| Document Number | 0000018106 |
|---|---|
| Date | May 7, 2019 |
| Instrument | 18106 |
| Name | RESOURCE BK |
|---|---|
| Type | Bank |
| Address | DEKALB, IL 60115 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | May 6, 2020 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 39W109 Rte 20 was $1,698.
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | Plato Township |
| Unified School District | Central Community Unit School District 301 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,698.00 | $25,155 (+25.71%) Land $1,483 Building $23,672 | $75,495 (+25.71%) Land $4,451 Building $71,044 |
| 2024 | $20,010 Land $1,325 Building $18,685 | $60,054 Land $3,977 Building $56,077 | |
| 2022 | $1,698.00 (-2.19%) | $19,738 (+0.6%) Land $1,053 Building $18,685 | $59,214 (+0.6%) Land $3,159 Building $56,055 |
| 2021 | $1,736.00 | $19,620 Land $935 Building $18,685 | $58,860 Land $2,805 Building $56,055 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 39W109 Rte 20 in Zone X, an area of minimal flood risk.
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 risk around 39W109 Rte 20 is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 86% 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.
Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 25 / 3 |
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