9N818 Bowes Bend Dr, Elgin, IL 60124 Property Records

Kane County property record for 9N818 Bowes Bend Dr, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,782 sqft · built 1991
Lot Size	1 acre (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$282,000 (Jan 2020)
Tax Bill	$7,211 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-27-226-014`

Property Details

APN / Parcel Number

Primary APN	`05-27-226-014`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,782 sqft Living Area
Basement Area	1,002 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Construction Type	Frame
Lot Area	43,560 sqft
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	9N818 BOWES BEND DR
City	ELGIN
State	IL
Zip	60124-8365
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BOWES BEND - LOT 12
Legal Subdivision	BOWES BEND
Legal Block	1
Legal Lot Number	12
Jurisdiction	KANE IL
Township / Civil Division	PLATO
Census Block Group	1
Census Block	1054
Census Tract	850709

Owner

9N818 Bowes Bend Dr is owned and occupied by two individuals who bought it in January 2020.

Source: Kane County records, as of July 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	9N818 BOWES BEND DR, ELGIN, IL 60124-8365
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Jan 14, 2020	Warranty Deed, Transfer · Conventional with PMI GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 14, 2020 · Amount on File
Deed Sale	Jan 14, 2020 · Amount on File
Deed Document Number	20202432
Prior Transfer Date	Aug 31, 2011
Prior Transfer Doc	0000054762
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	9N818 BOWES BEND DR, ELGIN, IL 60124-8365
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	RAVENSWOOD TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000051834
Date	Sep 10, 2020
Instrument	2020K051834

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.25%

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 14, 2020
Property Address	9N818 BOWES BEND DR, ELGIN, IL 60124-8365
Document Number	0000002432
Instrument Date	Dec 18, 2019
Instrument	2432
Transaction Type	Transfer
Record Updated	Jan 27, 2020
Title Company	FIRST UNITED TITLE SERVICES IN, FIRST UNITED TITLE SVCS IN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$423.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	646 CONCORD AVE SOUTH ELGIN IL 60177, SOUTH ELGIN, IL 60177

Mortgage

Document Number	2433
Date	Jan 14, 2020
Instrument	2433

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 13, 2050

Interest

Rate Type	Fixed Rate
Rate	4.75%

Tax Assessment & Valuation

The 2025 property tax bill for 9N818 Bowes Bend Dr was $7,211 with exemptions applied.

Source: Kane County assessment roll, as of July 23, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,211.00 Homeowner's exemption Senior Citizen's exemption	$124,451 (+7.79%) Land $29,791 Building $94,660	$373,502 (+7.79%) Land $89,409 Building $284,094
2024		$115,457 Land $27,638 Building $87,819	$346,510 Land $82,947 Building $263,562
2022	$7,713.00 (-0.48%) Homeowner's exemption	$101,962 (+7.47%) Land $23,138 Building $78,824	$305,886 (+7.47%) Land $69,414 Building $236,472
2021	$7,750.00 Homeowner's exemption	$94,878 Land $22,353 Building $72,525	$284,634 Land $67,059 Building $217,575

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

FEMA maps place 9N818 Bowes Bend Dr 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

Wildfire risk around 9N818 Bowes Bend Dr 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 65% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: Verizon.

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