3166 Pearl St, Elgin, IL 60124 Property Records

Kane County property record for 3166 Pearl St, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,745 sqft · built 2008
Owner	Individual Name on Record
Last Sale	$213,000 (Jun 2021)
Tax Bill	$7,120 (2025)
Deeds & Mortgages	Jun 2021 Sale Apr 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-19-410-082`

Property Details

APN / Parcel Number

Primary APN	`06-19-410-082`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,745 sqft Living Area

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Condo/Apartment
Construction Type	Frame
Garage Type	Attached
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	3166 PEARL ST
City	ELGIN
State	IL
Zip	60124-3839
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PROVIDENCE CONDO ASSOCIATION - 24TH AMENDMENT - UNIT 29-3166-A
Legal Subdivision	PROVIDENCE CONDO
Legal Block	3
Legal Unit	29
Jurisdiction	KANE IL
Township / Civil Division	ELGIN
Census Block Group	3
Census Block	3004
Census Tract	851913

Owner

Source: Kane County records, as of July 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3166 PEARL ST, ELGIN, IL 60124-3839
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2021	Re-recorded Document AMERICAN NATIONAL TITLE SERVICES INC, AMERICAN NATL TTL SVCS INC
Apr 6, 2021	Warranty Deed, Transfer · Conventional Mortgage LAKEVIEW LOAN SERVICING LLC
Oct 29, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
May 10, 2017	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2021 · Amount on Record
Deed Sale	Jun 24, 2021 · Amount on Record
Prior Sale	Apr 6, 2021 · Amount on Record
Deed Document Number	202148351
Prior Transfer Date	Oct 8, 2018
Prior Transfer Doc	0000052843
Record Updated	Sep 20, 2026

June 2021: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	KANE IL
Recording Date	Jun 24, 2021
Property Address	3166 PEARL ST, ELGIN, IL 60124-3839
Document Number	0000048351
Map Reference	DOC 2005K043004
Instrument Date	Mar 15, 2021
Instrument	2021K048351
Record Updated	Jul 12, 2021
Title Company	AMERICAN NATIONAL TITLE SERVICES INC, AMERICAN NATL TTL SVCS INC

Transaction

Amount	Amount Recorded
Tax	$213.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3166 PEARL ST, 3166, ELGIN, IL 60124-3839

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3166 PEARL ST, ELGIN, IL 60124-3839

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 6, 2021
Property Address	3166 PEARL ST, ELGIN, IL 60124-3839
Document Number	0000026565
Map Reference	DOC 2005K043004
Instrument Date	Mar 4, 2021
Instrument	2021K026565
Transaction Type	Transfer
Record Updated	Jul 27, 2021
Title Company	AMERICAN NATL TTL SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$213.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3166 PEARL ST, 3166, ELGIN, IL 60124-3839

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2236 FLOWER CT # 138, 138, SCHAUMBURG, IL 60194-2518

Mortgage

Document Number	0000026566
Date	Apr 6, 2021
Instrument	2021K026566

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.62%

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	KANE IL
Recording Date	Oct 29, 2018
Property Address	3166 PEARL ST, ELGIN, IL 60124-3839
Document Number	0000052843
Instrument Date	Oct 8, 2018
Instrument	52843
Transaction Type	Transfer
Record Updated	Nov 9, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	3166 PEARL ST ELGIN IL 601243839, ELGIN, IL 60124-3839

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	May 10, 2017
Property Address	3166 PEARL ST, ELGIN, IL 60124-3839
Document Number	0000023845
Instrument Date	Apr 25, 2017
Instrument	23845
Transaction Type	Transfer
Record Updated	May 24, 2017
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$263.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1239 DUNAMON DR BARTLETT IL 601031951, BARTLETT, IL 60103-1951

Mortgage

Document Number	23846
Date	May 10, 2017
Instrument	23846

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 9, 2047

Interest

Rate Type	Fixed Rate
Rate	4.25%

Tax Assessment & Valuation

Source: Kane County assessment roll, as of August 25, 2025

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	$7,120.00 (+7.73%)
2024		$83,745 (+21.39%) Land $26,007 Building $57,738	$251,336 (+21.44%) Land $78,052 Building $173,283
2022	$6,609.00 (+13.6%)	$68,986 (+6.96%) Land $21,423 Building $47,563	$206,958 (+6.96%) Land $64,269 Building $142,689
2021	$5,818.00 Homeowner's exemption	$64,497 Land $20,029 Building $44,468	$193,491 Land $60,087 Building $133,404

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	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 407 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

May also be available: Verizon.

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