Kane County property record for 40W574 Bowes Rd, Elgin, IL 60124
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,320 sqft · built 1979 |
| Lot Size | 2.76 acres (120,661 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $465,000 (Dec 2021) |
| Tax Bill | $10,540 (2025) |
| Deeds & Mortgages | Jan 2024 Transfer Dec 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-26-100-015 |
| Primary APN | 05-26-100-015 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,320 sqft Living Area |
| Basement Area | 1,160 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Construction Type | Frame |
| Foundation Type | Raised |
| Lot Area | 120,661 sqft |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|
| Street Address | 40W574 BOWES RD |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60124-8312 |
| 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 | 1004 |
| Census Tract | 850709 |
40W574 Bowes Rd is owned and occupied by two individuals who acquired it in January 2024.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 40W574 BOWES RD, ELGIN, IL 60124-8312 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 |
|---|---|
| Jan 16, 2024 | Intrafamily Transfer, Transfer |
| Dec 23, 2021 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 23, 2021 · Amount on File |
| Deed Sale | Dec 23, 2021 · Amount on File |
| Deed Document Number | 202195066 |
| Last Transfer Date | Jan 4, 2024 |
| Transfer Doc | 0000001457 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jan 16, 2024 |
| Property Address | 40W574 BOWES RD, ELGIN, IL 60124-8312 |
| Document Number | 0000001457 |
| Instrument Date | Jan 4, 2024 |
| Instrument | 2024K001457 |
| Transaction Type | Transfer |
| Record Updated | Jan 23, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 40W574 BOWES RD, ELGIN, IL 60124-8312 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Dec 23, 2021 |
| Property Address | 40W574 BOWES RD, ELGIN, IL 60124-8312 |
| Document Number | 0000095066 |
| Instrument Date | Dec 15, 2021 |
| Instrument | 2021K095066 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2022 |
| Title Company | BAIRD AND WARNER TITLE SERVICES INC, BAIRD & WARNER TTL SVCS INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $465.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 40W574 BOWES RD, 40W574, ELGIN, IL 60124-8312 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 40W574 BOWES RD, ELGIN, IL 60124-8312 |
| Document Number | 0000095067 |
|---|---|
| Date | Dec 23, 2021 |
| Instrument | 2021K095067 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.87% |
The 2025 property tax bill for 40W574 Bowes Rd was $10,540.
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 | $10,540.00 | $166,526 (+7.79%) Land $43,693 Building $122,833 | $499,778 (+7.79%) Land $131,131 Building $368,646 |
| 2024 | $154,491 Land $40,535 Building $113,956 | $463,658 Land $121,654 Building $342,005 | |
| 2022 | $9,535.00 (+0.86%) Homeowner's exemption | $118,445 (+3.51%) Land $35,595 Building $82,850 | $355,335 (+3.51%) Land $106,785 Building $248,550 |
| 2021 | $9,454.00 Homeowner's exemption | $114,429 Land $34,388 Building $80,041 | $343,287 Land $103,164 Building $240,123 |
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.
FEMA maps place 40W574 Bowes Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 risk around 40W574 Bowes Rd is low, with 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 94% of the US · lower than 61% 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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