4 Cypress Sq, Elgin, IL 60123 Property Records

Kane County property record for 4 Cypress Sq, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,526 sqft · built 1973
Lot Size	0.34 acres (1,482 sqft)
Owner	Individual Name on Record
Last Sale	$25,500 (Jun 2011)
Tax Bill	$3,819 (2025)
Deeds & Mortgages	Jan 2017 Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`06-10-401-051`

Property Details

APN / Parcel Number

Primary APN	`06-10-401-051`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,526 sqft Living Area

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Construction Type	Frame
Foundation Type	Raised
Lot Area	1,482 sqft (0.34 acres)

Location & Zoning

Street Address	4 CYPRESS SQ
City	ELGIN
State	IL
Zip	60123-2723
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LADDS ELGIN GARDEN QUARTER LOT G-4
Legal Subdivision	LADDS ELGIN GARDEN QUARTER
Legal Block	2
Legal Lot Number	G-4
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2020
Census Tract	851000

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 Record	Individual Name on Record
Mailing Address	4 CYPRESS SQ, 4, ELGIN, IL 60123-2723
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2017	Deed of Trust, Mortgage KCT CREDIT UNION
Sep 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage KANE COUNTY TEACHERS CU
Jul 20, 2022	Deed of Trust, Mortgage · Line of Credit KANE COUNTY TEACHERS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 21, 2011 · Amount on Record
Deed Sale	Jun 21, 2011 · Amount on Record
Prior Sale	Mar 11, 2011
Deed Document Number	201136624
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	4 CYPRESS SQ, ELGIN, IL 60123-2723
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004470
Date	Jan 24, 2017
Instrument	2017K004470

Lender

Name	KCT CREDIT UNION
Type	Non-Lending Institution
Address	ELGIN, IL 60123

Agreement

Amount	Amount Recorded

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	4 CYPRESS SQ, ELGIN, IL 60123-2723
Transaction Type	Mortgage
Record Updated	Aug 5, 2022
Title Company	HALLMARK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000056104
Date	Sep 25, 2020
Instrument	2020K056104

Lender

Name	KANE COUNTY TEACHERS CU
Type	Credit Union
Address	ELGIN, IL 60123

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	4 CYPRESS SQ, ELGIN, IL 60123-2723
Transaction Type	Mortgage
Record Updated	Aug 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000037107
Date	Jul 20, 2022
Instrument	2022K037107

Lender

Name	KANE COUNTY TEACHERS CU
Type	Credit Union
Address	ELGIN, IL 60123

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 19, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	Elgin Township
Municipality	Elgin City
Unified School District	School District U-46 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,819.00 (+15.76%) Homeowner's exemption	$58,061 (+8.57%) Land $3,842 Building $54,219	$174,253 (+8.57%) Land $11,531 Building $162,722
2024		$53,478 (+21.39%) Land $3,539 Building $49,939	$160,498 (+21.44%) Land $10,621 Building $149,877
2022	$3,299.00 (+5.1%) Homeowner's exemption	$44,053 (+6.96%) Land $2,915 Building $41,138	$132,159 (+6.96%) Land $8,745 Building $123,414
2021	$3,139.00 Homeowner's exemption	$41,186 Land $2,725 Building $38,461	$123,558 Land $8,175 Building $115,383

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 Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2014)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2014 · rainfall accumulation

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	Not rated no burnable land within 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 302 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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