41W038 Bowes Rd, Elgin, IL 60124 Property Records

Kane County property record for 41W038 Bowes Rd, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,410 sqft · built 1978
Lot Size	5.22 acres (227,383 sqft)
Owner	2 Individual Names on File
Last Sale	$650,000 (Dec 2023)
Tax Bill	$12,898 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Dec 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-22-400-024`

Property Details

APN / Parcel Number

Primary APN	`05-22-400-024`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,410 sqft Living Area
1st Floor Area	2,410 sqft
Basement Area	1,084 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Split Level
Construction Type	Frame
Lot Area	227,383 sqft (5.22 acres)
Garage Area	242 sqft
Parking Spaces	1 Parking Space
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	41W038 BOWES RD
City	ELGIN
State	IL
Zip	60124-8375
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

Owner

Source: Kane County records · APN 05-22-400-024

Assessment roll updated December 26, 2025 · Last verified July 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 File
Mailing Address	41W038 BOWES RD, ELGIN, IL 60124-8375
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2026	Intrafamily Transfer, Transfer · Conventional Mortgage ARC HOME LLC
Dec 27, 2023	Warranty Deed, Transfer · Conventional Mortgage LENDSURE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 27, 2023 · Amount on Record
Deed Sale	Dec 27, 2023 · Amount on Record
Deed Document Number	202345109
Last Transfer Date	Mar 06, 2026
Transfer Doc	0000010963
Record Updated	Sep 20, 2026

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Mar 19, 2026
Property Address	41W038 BOWES RD, ELGIN, IL 60124-8375
Document Number	0000010963
Instrument Date	Mar 06, 2026
Instrument	2026K010963
Transaction Type	Transfer
Record Updated	Apr 16, 2026
Title Company	PRIORITY TITLE COMPANY, PTC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	41W038 BOWES RD, ELGIN, IL 60124-8375

Mortgage

Document Number	0000010964
Date	Mar 19, 2026
Instrument	2026K010964

Lender

Name	ARC HOME LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.49%

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 27, 2023
Property Address	41W038 BOWES RD, ELGIN, IL 60124-8375
Document Number	0000045109
Instrument Date	Dec 22, 2023
Instrument	2023K045109
Transaction Type	Transfer
Record Updated	Jul 14, 2025
Title Company	CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$650.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1020 HILL AVE, ELGIN, IL 60120-2430

Mortgage

Document Number	0000045110
Date	Dec 27, 2023
Instrument	2023K045110

Lender

Name	LENDSURE MORTGAGE CORP
Type	Mortgage Company
Address	SAN DIEGO, CA 92128

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2054

Interest

Rate Type	Fixed Rate
Rate	8.12%

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated December 26, 2025 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	Plato Township
Unified School District	Central Community Unit School District 301 (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,898.00 (-6.43%)
2024	$13,784.00 (+7.26%)	$187,389 (+23.65%) Land $55,275 Building $132,114	$562,392 (+23.7%) Land $165,891 Building $396,501
2022	$12,851.00 (+0.67%)	$151,542 (+3.51%) Land $49,833 Building $101,709	$454,626 (+3.51%) Land $149,499 Building $305,127
2021	$12,766.00	$146,403 Land $48,143 Building $98,260	$439,209 Land $144,429 Building $294,780

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 8, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	Low lower than 93% of the US · above 42% of Illinois
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 55 locations within half a mile of this property.

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