8N196 Stevens Rd, Elgin, IL 60124 Property Records

Kane County property record for 8N196 Stevens Rd, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,232 sqft · built 1961
Lot Size	0.749 acres (32,648 sqft)
Owner	2 Individual Names on Record
Last Sale	$220,000 (Apr 2019)
Tax Bill	$5,527 (2022)
Deeds & Mortgages	Apr 2017 Mortgage Apr 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-31-451-022`

Property Details

APN / Parcel Number

Primary APN	`06-31-451-022`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,232 sqft Living Area
Gross Area	2,464 sqft
1st Floor Area	1,232 sqft
Basement Area	1,232 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Construction Type	Frame
Lot Area	32,648 sqft (0.749 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	8N196 STEVENS RD
City	ELGIN
State	IL
Zip	60124-8806
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HEATHERFIELD UNIT 1 LOT 10
Legal Subdivision	HEATHERFIELD
Legal Block	2
Legal Lot Number	10
Legal Unit	1
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2030
Census Tract	851912

Owner

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	8N196 STEVENS RD, ELGIN, IL 60124-8806
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2017	Deed of Trust, Mortgage · Commercial Mortgage WEST SUBURBAN BANK
Apr 25, 2017	Deed of Trust, Mortgage · Commercial Mortgage WEST SUBURBAN BANK
Jun 22, 2020	Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS
Apr 11, 2019	Warranty Deed, Transfer · Line of Credit VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 11, 2019 · Amount on Record
Deed Sale	Apr 11, 2019 · Amount on Record
Prior Sale	Sep 19, 2012 · Amount on Record
Deed Document Number	201913962
Record Updated	Sep 20, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	8N196 STEVENS RD, ELGIN, IL 60124-8806
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020222
Date	Apr 24, 2017
Instrument	2017K020222

Lender

Name	WEST SUBURBAN BANK
Type	Bank
Address	LOMBARD, IL 60148

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	8N196 STEVENS RD, ELGIN, IL 60124-8806
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020649
Date	Apr 25, 2017
Instrument	2017K020649

Lender

Name	WEST SUBURBAN BANK
Type	Bank
Address	LOMBARD, IL 60148

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	8N196 STEVENS RD, ELGIN, IL 60124-8806
Document Number	0000034043
Instrument Date	Jun 22, 2020
Transaction Type	Mortgage
Record Updated	Aug 6, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/OREGON

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8N196 STEVENS RD ELGIN IL 601248806, ELGIN, IL 60124-8806

Mortgage

Document Number	0000034043
Date	Jun 26, 2020
Instrument	34043

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 25, 2050

Interest

Rate Type	Fixed Rate

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 11, 2019
Property Address	8N196 STEVENS RD, ELGIN, IL 60124-8806
Document Number	0000013962
Instrument Date	Mar 27, 2019
Instrument	13962
Transaction Type	Transfer
Record Updated	Apr 18, 2019
Title Company	PRECISION TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	8N196 STEVENS RD ELGIN IL 601248806, ELGIN, IL 60124-8806

Mortgage

Document Number	13963
Date	Apr 11, 2019
Instrument	13963

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 10, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.5%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 2025

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	Elgin Township
Unified School District	St. Charles Community Unit School District 303 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	Homeowner's exemption Senior Citizen's exemption Veteran's exemption
2024		$107,870 (+21.39%) Land $29,548 Building $78,322	$323,739 (+21.44%) Land $88,679 Building $235,060
2022	$5,527.00 (+6.97%) Homeowner's exemption	$88,859 (+6.96%) Land $24,340 Building $64,519	$266,577 (+6.96%) Land $73,020 Building $193,557
2021	$5,167.00 Homeowner's exemption	$83,077 Land $22,756 Building $60,321	$249,231 Land $68,268 Building $180,963

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2020 · 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	Low lower than 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 107 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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