Kane County property record for 40W565 Bowes Rd, Elgin, IL 60124
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 4,771 sqft · built 1979 |
| Lot Size | 5.91 acres (257,440 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $411,000 (Oct 2019) |
| Tax Bill | $18,514 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit Aug 2022 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-26-100-019 |
| Primary APN | 05-26-100-019 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,771 sqft Living Area |
| Basement Area | 2,220 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Foundation Type | No Foundation |
| Lot Area | 257,440 sqft (5.91 acres) |
| Garage Type | Attached |
| Garage Area | 1,536 sqft |
| Parking Spaces | 6 Parking Spaces |
| Porch | Open Porch |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|
| Street Address | 40W565 BOWES RD |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60124-8311 |
| 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 | 1006 |
| Census Tract | 850709 |
Source: Kane County records, as of July 21, 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 | 40W565 BOWES RD, ELGIN, IL 60124-8311 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Mar 9, 2026 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK WESTERN MICHIGAN |
| Aug 11, 2022 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| Mar 1, 2022 | Deed of Trust, Mortgage · Conventional Mortgage WINTRUST MORTGAGE |
| Oct 3, 2019 | Warranty Deed, Transfer · Conventional Mortgage WINTRUST MORTGAGE |
| Feb 20, 2018 | Trustee's Deed, Construction Loan · Line of Credit LIBERTY NAT'L BK |
| Jan 10, 2018 | Warranty Deed, Construction Loan · Line of Credit CORNERSTONE NAT'L BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 3, 2019 · Amount on Record |
| Deed Sale | Oct 3, 2019 · Amount on Record |
| Prior Sale | Sep 25, 2002 · Amount on Record |
| Deed Document Number | 201946700 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 40W565 BOWES RD, ELGIN, IL 60124-8311 |
| Transaction Type | Mortgage |
| Record Updated | Mar 18, 2026 |
| Name | Verified Name |
|---|---|
| Address | 40E565 BOWES RD V, ELGIN, IL 60124 |
| Document Number | 0000009376 |
|---|---|
| Date | Mar 9, 2026 |
| Instrument | 2026K009376 |
| Name | FIFTH THIRD BANK WESTERN MICHIGAN |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Feb 25, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 40W565 BOWES RD, ELGIN, IL 60124-8311 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2022 |
| Name | Verified Name |
|---|---|
| Address | 40 W565 BOWES RD, LITTLETON, CO 80123 |
| Document Number | 0000040756 |
|---|---|
| Date | Aug 11, 2022 |
| Instrument | 2022K040756 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | May 25, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 40W565 BOWES RD, ELGIN, IL 60124-8311 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2022 |
| Title Company | OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000011566 |
|---|---|
| Date | Mar 1, 2022 |
| Instrument | 2022K011566 |
| Name | WINTRUST MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | DES PLAINES, IL 60018 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Mar 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 8.25% |
| Index | Other |
| Max Rate | 8.25% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Oct 3, 2019 |
| Property Address | 40W565 BOWES RD, ELGIN, IL 60124-8311 |
| Document Number | 0000046700 |
| Instrument Date | Sep 27, 2019 |
| Instrument | 2019K046700 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Title Company | CHICAGO TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $411.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5162 190TH ST, 5162, SIBLEY, IA 51249-7586 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 40W912 OAK ST, PINGREE GROVE, IL 60140-8925 |
| Investor | Possibly a Property Investor |
| Document Number | 0000046702 |
|---|---|
| Date | Oct 3, 2019 |
| Instrument | 2019K046702 |
| Name | WINTRUST MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2049 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.37% |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Feb 20, 2018 |
| Property Address | 40W565 BOWES RD, ELGIN, IL 60124-8311 |
| Instrument Date | Jan 29, 2018 |
| Instrument | 7865 |
| Transaction Type | Construction Loan |
| Record Updated | Mar 6, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 40W565 BOWES RD ELGIN IL 601248311, ELGIN, IL 60124-8311 |
| Document Number | 0000007865 |
|---|---|
| Date | Feb 20, 2018 |
| Instrument | 7865 |
| Name | LIBERTY NAT'L BK |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Feb 19, 2019 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.25% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jan 10, 2018 |
| Property Address | 40W565 BOWES RD, ELGIN, IL 60124-8311 |
| Document Number | 0000001729 |
| Instrument Date | Dec 21, 2017 |
| Instrument | 1729 |
| Transaction Type | Construction Loan |
| Record Updated | Jan 23, 2018 |
| Title Company | CHICAGO TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $435.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1039 N ELMWOOD LN BARTLETT IL 60103, BARTLETT, IL 60103 |
| Document Number | 1730 |
|---|---|
| Date | Jan 10, 2018 |
| Instrument | 1730 |
| Name | CORNERSTONE NAT'L BK |
|---|---|
| Type | Bank |
| Address | NAPERVILLE, IL 60563 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jan 9, 2019 |
| Rate Type | Adjustable Rate |
|---|
Source: Kane County assessment roll, as of December 26, 2025
| 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 | $18,514.00 (+58.59%) Homeowner's exemption | ||
| 2024 | $265,749 (+84.98%) Land $73,700 Building $192,049 | $797,566 (+85.05%) Land $221,188 Building $576,378 | |
| 2022 | $11,674.00 (+0.82%) Homeowner's exemption | $143,667 (+3.51%) Land $60,512 Building $83,155 | $431,001 (+3.51%) Land $181,536 Building $249,465 |
| 2021 | $11,579.00 Homeowner's exemption | $138,795 Land $58,460 Building $80,335 | $416,385 Land $175,380 Building $241,005 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · above 42% 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.
Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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