408 Bowen Ct, Elgin, IL 60120 Property Records

Kane County property record for 408 Bowen Ct, Elgin, IL 60120

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,127 sqft · built 1929
Lot Size	0.134 acres (5,817 sqft)
Owner	Individual Name on Record
Last Sale	$289,500 (May 2026)
Tax Bill	$5,100 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Sep 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-24-204-012`

Property Details

APN / Parcel Number

Primary APN	`06-24-204-012`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,127 sqft Living Area
Gross Area	2,254 sqft
1st Floor Area	1,127 sqft
Basement Area	1,127 sqft

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Architectural Style	Bungalow
Construction Type	Frame
Lot Area	5,817 sqft (0.134 acres)
Garage Type	Detached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	408 BOWEN CT
City	ELGIN
State	IL
Zip	60120-6730
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GEORGE E BOWENS SUB LOT 6
Legal Subdivision	GEORGE E BOWENS SUB
Legal Block	4
Legal Lot Number	6
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	4
Census Block	4005
Census Tract	851400

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	Individual Name on Record
Mailing Address	408 BOWEN CT, ELGIN, IL 60120-6730
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 22, 2026	Warranty Deed, Transfer · Conventional Mortgage UNION FEDERAL CREDIT UNION
Sep 10, 2021	Warranty Deed, Transfer ATTORNEY ONLY, ATTORNEY
Oct 25, 2019	Tax Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 22, 2026 · Amount on Record
Deed Sale	May 22, 2026 · Amount on Record
Prior Sale	Sep 10, 2021 · Amount on Record
Deed Document Number	202621082
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 22, 2026
Property Address	408 BOWEN CT, ELGIN, IL 60120-6730
Document Number	0000021082
Instrument Date	May 6, 2026
Instrument	202621082
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$43,859.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	408 BOWEN CT, ELGIN, IL 60120-6730

Mortgage

Document Number	0000021083,
Date	May 22, 2026
Instrument	202621083

Lender

Name	UNION FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 10, 2021
Property Address	408 BOWEN CT, ELGIN, IL 60120-6730
Document Number	0000069240
Map Reference	MB23 PG9 DOC205941
Instrument Date	Sep 3, 2021
Instrument	2021K069240
Transaction Type	Transfer
Record Updated	Sep 20, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$145.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	408 BOWEN CT, 408, ELGIN, IL 60120-6730

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	18719 PINON TRL, MARENGO, IL 60152-4312

October 2019: Tax Deed, Foreclosure

Document Type	Tax Deed
Jurisdiction	KANE IL
Recording Date	Oct 25, 2019
Property Address	408 BOWEN CT, ELGIN, IL 60120-6730
Document Number	0000051264
Instrument Date	Oct 24, 2019
Instrument	51264
Transaction Type	Foreclosure
Record Updated	Nov 5, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1953 N CLYBOURN AVE #R-124 CHICAGO IL 606144945, R-124, CHICAGO, IL 60614-4945

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	$5,100.00 (+3.49%)	$66,860 (+8.57%) Land $13,123 Building $53,737	$200,660 (+8.57%) Land $39,385 Building $161,276
2024	$4,928.00 (+12.05%)	$61,582 (+21.39%) Land $12,087 Building $49,495	$184,820 (+21.44%) Land $36,276 Building $148,544
2022	$4,398.00 (+3.95%)	$50,729 (+6.96%) Land $9,957 Building $40,772	$152,187 (+6.96%) Land $29,871 Building $122,316
2021	$4,231.00	$47,428 Land $9,309 Building $38,119	$142,284 Land $27,927 Building $114,357

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 515 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, Fox Valley Internet, T-Mobile.

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