2972 Shamrock Dr, Elgin, IL 60124 Property Records

Kane County property record for 2972 Shamrock Dr, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,950 sqft · built 2007
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on File
Last Sale	$294,000 (Aug 2017)
Tax Bill	$11,763 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-20-338-015`

Property Details

APN / Parcel Number

Primary APN	`06-20-338-015`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,950 sqft Living Area
Gross Area	4,476 sqft
Basement Area	1,526 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Georgian
Construction Type	Frame
Lot Area	12,632 sqft (0.29 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Water Source	Commercial

Location & Zoning

Street Address	2972 SHAMROCK DR
City	ELGIN
State	IL
Zip	60124-4354
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WATERFORD SUBDIVISION NEIGHBORHOOD 3 LT 168
Legal Subdivision	WATERFORD SUB
Legal Block	2
Legal Lot Number	168
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2007
Census Tract	851913

Owner

2972 Shamrock Dr is owned and occupied by two individuals who acquired it in December 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	2972 SHAMROCK DR, ELGIN, IL 60124-4354
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
Dec 28, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage CELEBRITY HOME LOANS LLC
Aug 2, 2017	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2017 · Amount on File
Deed Sale	Aug 2, 2017 · Amount on File
Prior Sale	Jul 13, 2007 · Amount on File
Deed Document Number	201740159
Last Transfer Date	Dec 11, 2020
Transfer Doc	0000081323
Record Updated	Oct 29, 2026

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	KANE IL
Recording Date	Dec 28, 2020
Property Address	2972 SHAMROCK DR, ELGIN, IL 60124-4354
Document Number	0000081323
Map Reference	DOC 2006K061968
Instrument Date	Dec 11, 2020
Instrument	2020K081323
Transaction Type	Transfer
Record Updated	Sep 15, 2022
Title Company	LIBERTY TITLE & ESCROW CO

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2972 SHAMROCK CIR, 2972, ELGIN, IL 60124-4354

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2972 SHAMROCK CIR, ELGIN, IL 60124-4354

Mortgage

Document Number	0000081324
Date	Dec 28, 2020
Instrument	2020K081324

Lender

Name	CELEBRITY HOME LOANS LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	481 Months
Due	Jan 1, 2061

Interest

Rate Type	Fixed Rate
Rate	2.87%

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Aug 2, 2017
Property Address	2972 SHAMROCK DR, ELGIN, IL 60124-4354
Document Number	0000040159
Map Reference	DOC2006K061968
Instrument Date	Jul 17, 2017
Instrument	2017K040159
Transaction Type	Transfer
Record Updated	Sep 15, 2022
Title Company	CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$294.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2972 SHAMROCK CIR, ELGIN, IL 60124-4354

Mortgage

Document Number	0000040160
Date	Aug 2, 2017
Instrument	2017K040160

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 2972 Shamrock Dr was $11,763 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	$11,763.00 Homeowner's exemption	$158,210 (+8.57%) Land $44,049 Building $114,161	$474,820 (+8.57%) Land $132,200 Building $342,620
2024		$145,722 Land $40,572 Building $105,150	$437,341 Land $121,765 Building $315,576
2022	$10,857.00 (+3.4%) Homeowner's exemption	$120,041 (+6.96%) Land $33,422 Building $86,619	$360,123 (+6.96%) Land $100,266 Building $259,857
2021	$10,500.00 Homeowner's exemption	$112,230 Land $31,247 Building $80,983	$336,690 Land $93,741 Building $242,949

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 2972 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 2972 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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