2986 Shamrock Dr, Elgin, IL 60124 Property Records

Kane County property record for 2986 Shamrock Dr, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,021 sqft · built 2008
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$361,000 (Feb 2018)
Tax Bill	$11,940 (2025)
Deeds & Mortgages	Feb 2018 Sale Nov 2016 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-20-338-022`

Property Details

APN / Parcel Number

Primary APN	`06-20-338-022`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,021 sqft Living Area
Gross Area	4,473 sqft
Basement Area	1,452 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Construction Type	Frame
Lot Area	10,019 sqft (0.23 acres)

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	2986 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 175
Legal Subdivision	WATERFORD SUB
Legal Block	2
Legal Lot Number	175
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	2
Census Block	2007
Census Tract	851913

Owner

Source: Kane County records, as of July 23, 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	2986 SHAMROCK DR, ELGIN, IL 60124-4354
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2018	Warranty Deed, Transfer FIRST AMERICAN TITLE
Nov 23, 2016	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Nov 23, 2016	Loan Modification, Mortgage · Conventional with PMI WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 2, 2018 · Amount on Record
Deed Sale	Feb 2, 2018 · Amount on Record
Prior Sale	Mar 20, 2009 · Amount on Record
Deed Document Number	20185589
Record Updated	Oct 29, 2026

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Feb 2, 2018
Property Address	2986 SHAMROCK DR, ELGIN, IL 60124-4354
Document Number	0000005589
Instrument Date	Jan 13, 2018
Instrument	5589
Transaction Type	Transfer
Record Updated	Feb 15, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$541.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2986 SHAMROCK CIR ELGIN IL 601244354, ELGIN, IL 60124-4354

November 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	2986 SHAMROCK DR, ELGIN, IL 60124-4354
Document Number	0000002620
Instrument Date	Nov 23, 2016
Transaction Type	Mortgage
Record Updated	May 2, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2986 SHAMROCK CIR ELGIN IL 601244354, ELGIN, IL 60124-4354

Mortgage

Document Number	0000002620
Date	Jan 17, 2017
Instrument	2620

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410-8000

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 16, 2047

November 2016: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	KANE IL
Property Address	2986 SHAMROCK DR, ELGIN, IL 60124-4354
Document Number	0000011120
Instrument Date	Nov 23, 2016
Transaction Type	Mortgage
Record Updated	Aug 18, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2986 SHAMROCK CIR ELGIN IL 601244354, ELGIN, IL 60124-4354

Mortgage

Document Number	0000011120
Date	Mar 2, 2017
Instrument	11120

Lender

Name	WELLS FARGO BK
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2047

Interest

Rate Type	Fixed Rate
Rate	3.62%

Tax Assessment & Valuation

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	$11,940.00 (+7.67%) Homeowner's exemption	$160,468 (+8.57%) Land $43,240 Building $117,228	$481,597 (+8.57%) Land $129,772 Building $351,825
2024		$147,802 (+21.39%) Land $39,827 Building $107,975	$443,583 (+21.44%) Land $119,529 Building $324,055
2022	$11,089.00 (+3.39%) Homeowner's exemption	$121,754 (+6.96%) Land $32,808 Building $88,946	$365,262 (+6.96%) Land $98,424 Building $266,838
2021	$10,725.00 Homeowner's exemption	$113,831 Land $30,673 Building $83,158	$341,493 Land $92,019 Building $249,474

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 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

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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