2964 Shamrock Dr, Elgin, IL 60124 Property Records

Kane County property record for 2964 Shamrock Dr, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,572 sqft · built 2006
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on File
Last Sale	$260,000 (Aug 2014)
Tax Bill	$10,771 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-20-371-011`

Property Details

APN / Parcel Number

Primary APN	`06-20-371-011`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,572 sqft Living Area
Gross Area	3,716 sqft
Basement Area	1,144 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Construction Type	Frame
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	2964 SHAMROCK DR
City	ELGIN
State	IL
Zip	60124-4354
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WATERFORD SUB NEIGHBORHOOD 5 LOT 266
Legal Subdivision	WATERFORD SUB
Legal Block	2
Legal Lot Number	266
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2000
Census Tract	851913

Owner

2964 Shamrock Dr is owned and occupied by an individual who bought it in August 2014.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	2964 SHAMROCK DR, ELGIN, IL 60124-4354
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2022	Deed of Trust, Mortgage · Line of Credit SCHAUMBURG BANK & TRUST CO NA
Sep 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Jul 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 21, 2014 · Amount on File
Deed Sale	Aug 21, 2014 · Amount on File
Prior Sale	Apr 29, 2014
Deed Document Number	201441441
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	2964 SHAMROCK DR, ELGIN, IL 60124-4354
Transaction Type	Mortgage
Record Updated	Nov 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000053710
Date	Nov 4, 2022
Instrument	2022K053710

Lender

Name	SCHAUMBURG BANK & TRUST CO NA
Type	Bank
Address	ITASCA, IL 60143

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	2964 SHAMROCK DR, ELGIN, IL 60124-4354
Transaction Type	Mortgage
Record Updated	Sep 15, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000055365
Date	Sep 23, 2020
Instrument	2020K055365

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2040

Interest

Rate Type	Fixed Rate
Rate	2.87%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	2964 SHAMROCK DR, ELGIN, IL 60124-4354
Transaction Type	Mortgage
Record Updated	Sep 15, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000052841
Date	Jul 9, 2021
Instrument	2021K052841

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 2964 Shamrock Dr was $10,771 with a homeowner's exemption.

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	Central Community Unit School District 301 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,771.00 Homeowner's exemption	$145,546 (+8.57%) Land $44,049 Building $101,497	$436,813 (+8.57%) Land $132,200 Building $304,613
2024		$134,057 Land $40,572 Building $93,485	$402,332 Land $121,765 Building $280,567
2022	$10,004.00 (+3.43%) Homeowner's exemption	$110,432 (+6.96%) Land $33,422 Building $77,010	$331,296 (+6.96%) Land $100,266 Building $231,030
2021	$9,672.00 Homeowner's exemption	$103,246 Land $31,247 Building $71,999	$309,738 Land $93,741 Building $215,997

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 2964 Shamrock Dr in Zone X, an area of minimal flood risk.

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 Policies	1 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 2964 Shamrock Dr is low, with less than 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 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.

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 235 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
AT&T Fiber	1,000 / 1,000

May also be available: Verizon.

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