41 Cypress Sq, Elgin, IL 60123 Property Records

Kane County property record for 41 Cypress Sq, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,226 sqft · built 1973
Lot Size	0.29 acres (1,250 sqft)
Owner	Individual Name on Record
Last Sale	$159,500 (Dec 2021)
Tax Bill	$3,495 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Dec 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`06-10-401-032`

Property Details

APN / Parcel Number

Primary APN	`06-10-401-032`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,226 sqft Living Area
Gross Area	1,839 sqft
Basement Area	613 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Construction Type	Frame
Lot Area	1,250 sqft (0.29 acres)

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	41 CYPRESS SQ
City	ELGIN
State	IL
Zip	60123-2723
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LADDS ELGIN GARDEN QUARTERS LOT G-41
Legal Subdivision	LADDS ELGIN GARDEN QUARTERS
Legal Block	2
Legal Lot Number	G-41
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2020
Census Tract	851000

Owner

Source: Kane County records, as of August 10, 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	41 CYPRESS SQ, ELGIN, IL 60123-2723
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2024	Deed of Trust, Mortgage · FHA Mortgage TOWNE MORTGAGE CO
Dec 3, 2021	Warranty Deed, Transfer · FHA Mortgage ALLIED FIRST BANK SB
Apr 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage KANE COUNTY TEACHERS CU
Jul 29, 2017	Deed of Trust, Mortgage · Conventional Mortgage CREDIT UNION ONE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 3, 2021 · Amount on Record
Deed Sale	Dec 3, 2021 · Amount on Record
Prior Sale	Oct 17, 2012 · Amount on Record
Deed Document Number	202190168
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	41 CYPRESS SQ, ELGIN, IL 60123-2723
Transaction Type	Mortgage
Record Updated	Jan 10, 2024
Title Company	SERVICELINK LOAN MOD SOLUTIONS, SERVICELINK LOAN MOD SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 CYPRESS SQ, ELGIN, IL 60123-2723

Mortgage

Document Number	0000000274
Date	Jan 3, 2024
Instrument	2024K000274

Lender

Name	TOWNE MORTGAGE CO
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	335 Months
Due	Dec 1, 2051

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 3, 2021
Property Address	41 CYPRESS SQ, ELGIN, IL 60123-2723
Document Number	0000090168
Instrument Date	Nov 19, 2021
Instrument	2021K090168
Transaction Type	Transfer
Record Updated	Dec 15, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$159.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 CYPRESS SQ, ELGIN, IL 60123-2723

Mortgage

Document Number	0000090169
Date	Dec 3, 2021
Instrument	2021K090169

Lender

Name	ALLIED FIRST BANK SB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.99%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	41 CYPRESS SQ, ELGIN, IL 60123-2723
Transaction Type	Mortgage
Record Updated	Apr 16, 2021
Title Company	HALLMARK TITLE, HALLMARK TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000026021
Date	Apr 5, 2021
Instrument	2021K026021

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2036

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	41 CYPRESS SQ, ELGIN, IL 60123-2723
Document Number	0000041808
Instrument Date	Jul 29, 2017
Transaction Type	Mortgage
Record Updated	Sep 7, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 CYPRESS SQ #41 ELGIN IL 601232723, 41, ELGIN, IL 60123-2723

Mortgage

Document Number	0000041808
Date	Aug 10, 2017
Instrument	41808

Lender

Name	CREDIT UNION ONE
Type	Credit Union
Address	OAK LAWN, IL 60453

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 9, 2037

Interest

Rate Type	Fixed Rate
Rate	3.62%

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	$3,495.00 (+15.73%) Homeowner's exemption	$53,824 (+8.57%) Land $3,842 Building $49,982	$161,537 (+8.57%) Land $11,531 Building $150,006
2024		$49,576 (+21.39%) Land $3,539 Building $46,037	$148,788 (+21.44%) Land $10,621 Building $138,166
2022	$3,020.00 (+247.53%) Homeowner's exemption	$40,839 (+6.96%) Land $2,915 Building $37,924	$122,517 (+6.96%) Land $8,745 Building $113,772
2021	$869.00 Homeowner's exemption	$38,181 Land $2,725 Building $35,456	$114,543 Land $8,175 Building $106,368

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.

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 100 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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