Kane County property record for 3145 Primrose St, Elgin, IL 60124
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 3,046 sqft · built 2005 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $400,000 (Feb 2022) |
| Tax Bill | $12,329 (2025) |
| Deeds & Mortgages | Dec 2019 Line of Credit Feb 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-19-407-008 |
| Primary APN | 06-19-407-008 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,046 sqft Living Area |
| Gross Area | 4,589 sqft |
| Basement Area | 1,543 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Construction Type | Frame |
| Lot Area | 8,276 sqft (0.19 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|
| Street Address | 3145 PRIMROSE ST |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60124-3800 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PROVIDENCE UNIT 3B LT 665 |
| Legal Subdivision | PROVIDENCE |
| Legal Block | 3 |
| Legal Lot Number | 665 |
| Legal Unit | 3B |
| Jurisdiction | KANE IL |
| Township / Civil Division | ELGIN |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 851913 |
3145 Primrose St is owned and occupied by two individuals who bought it in February 2022.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3145 PRIMROSE ST, ELGIN, IL 60124-3800 |
| 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.
| Date | Document |
|---|---|
| Dec 6, 2019 | Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA |
| Feb 8, 2022 | Warranty Deed, Transfer · Conventional Mortgage BYRON BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 8, 2022 · Amount on File |
| Deed Sale | Feb 8, 2022 · Amount on File |
| Prior Sale | Dec 23, 2005 · Amount on File |
| Deed Document Number | 20227621 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 3145 PRIMROSE ST, ELGIN, IL 60124-3800 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000059252 |
|---|---|
| Date | Dec 6, 2019 |
| Instrument | 2019K059252 |
| Name | BMO HARRIS BANK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60690 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 3, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.05% |
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Feb 8, 2022 |
| Property Address | 3145 PRIMROSE ST, ELGIN, IL 60124-3800 |
| Document Number | 0000007621 |
| Map Reference | DOC 2005K069831 |
| Instrument Date | Feb 3, 2022 |
| Instrument | 2022K007621 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2022 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $400.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3145 PRIMROSE ST, ELGIN, IL 60124-3800 |
| Document Number | 0000007622 |
|---|---|
| Date | Feb 8, 2022 |
| Instrument | 2022K007622 |
| Name | BYRON BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Rate | 3.28% |
|---|
The 2025 property tax bill for 3145 Primrose St was $12,329.
Source: Kane County assessment roll, as of July 23, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $12,329.00 | $157,438 (+8.57%) Land $43,240 Building $114,198 | $472,503 (+8.57%) Land $129,772 Building $342,731 |
| 2024 | $145,011 Land $39,827 Building $105,184 | $435,207 Land $119,529 Building $315,678 | |
| 2022 | $10,869.00 (+3.4%) Homeowner's exemption | $119,455 (+6.96%) Land $32,808 Building $86,647 | $358,365 (+6.96%) Land $98,424 Building $259,941 |
| 2021 | $10,512.00 Homeowner's exemption | $111,682 Land $30,673 Building $81,009 | $335,046 Land $92,019 Building $243,027 |
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.
FEMA maps place 3145 Primrose St 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.
The area around 3145 Primrose St 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 299 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 · DSL in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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