3 Creekside Cir, Apt A, Elgin, IL 60123 Property Records

Kane County property record for 3 Creekside Cir, Apt A, Elgin, IL 60123

Property Summary

Property Type	Single Family Home
Details	3 bd · 1,180 sqft · built 1986
Owner	2 Individual Names on File
Last Sale	$145,000 (Sep 2020)
Tax Bill	$4,461 (2025)
Deeds & Mortgages	Sep 2020 Sale Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-32-400-163`

Property Details

APN / Parcel Number

Primary APN	`03-32-400-163`

Interior

Bedrooms	3 Beds
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,180 sqft Living Area
Gross Area	1,426 sqft
1st Floor Area	1,180 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Garage Type	Attached
Garage Area	246 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	3 CREEKSIDE CIR, A
City	ELGIN
State	IL
Zip	60123-1125
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CENTURY OAKS WEST ; LOT R BUILDING 14 26.33% SUBDIVISION: CENTURY OAKS WEST RANGE CODE: 8 E TWSHP 42N
Legal Subdivision	CENTURY OAKS WEST
Legal Block	3
Legal Lot Number	R
Jurisdiction	KANE IL
Township / Civil Division	DUNDEE
Census Block Group	3
Census Block	3045
Census Tract	850600

Owner

3 Creekside Cir, Apt A is owned and occupied by two individuals who bought it in September 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	3 CREEKSIDE CIR, A, ELGIN, IL 60123-1125
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 14, 2020	Warranty Deed, Transfer FIDELITY NATIONAL TITLE
Nov 4, 2019	Warranty Deed, Transfer · Conventional Mortgage SYNERGY ONE LENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2020 · Amount on File
Deed Sale	Sep 14, 2020 · Amount on File
Prior Sale	Nov 4, 2019 · Amount on File
Deed Document Number	202052367
Prior Transfer Date	Oct 13, 2001
Prior Transfer Doc	0000109341
Record Updated	Oct 29, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Sep 14, 2020
Property Address	3 CREEKSIDE CIR APT A, A, ELGIN, IL 60123-1125
Document Number	0000052367
Instrument Date	Aug 14, 2020
Instrument	52367
Transaction Type	Transfer
Record Updated	Oct 19, 2020
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Tax	$218.00
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	2350 POLE LINE RD DECORAH IA 521017817, DECORAH, IA 52101-7817

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Nov 4, 2019
Property Address	3 CREEKSIDE CIR APT A, A, ELGIN, IL 60123-1125
Document Number	0000052921
Map Reference	DOC 1807647
Instrument Date	Oct 18, 2019
Instrument	2019K052921
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	LAKELAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$135.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3 CREEKSIDE CIR, 3, ELGIN, IL 60123-1125

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3 CREEKSIDE CIR APT A, A, ELGIN, IL 60123-1125

Mortgage

Document Number	0000052922
Date	Nov 4, 2019
Instrument	2019K052922

Lender

Name	SYNERGY ONE LENDING
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2049

Interest

Rate Type	Fixed Rate
Rate	3.87%

Tax Assessment & Valuation

The 2025 property tax bill for 3 Creekside Cir, Apt A was $4,461 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	Dundee Township
Municipality	Elgin City
Unified School District	School District U-46 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,461.00 Homeowner's exemption	$63,582 (+9.42%) Land $9,160 Building $54,422	$190,822 (+9.42%) Land $27,491 Building $163,331
2024		$58,108 Land $8,371 Building $49,737	$174,394 Land $25,123 Building $149,271
2022	$3,841.00 (+4.18%) Homeowner's exemption	$47,792 (+5.91%) Land $7,532 Building $40,260	$143,376 (+5.91%) Land $22,596 Building $120,780
2021	$3,687.00 Homeowner's exemption	$45,125 Land $7,112 Building $38,013	$135,375 Land $21,336 Building $114,039

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 3 Creekside Cir, Apt A in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2002.

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	2 in force
Nearby Flood Claims	2 (2002–2007)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Aug 2007 · Severe Storms And Flooding

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

The area around 3 Creekside Cir, Apt A has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 241 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Fox Valley Internet.

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