3553 S Riding Rdg, Elgin, IL 60124 Property Records

Kane County property record for 3553 S Riding Rdg, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Owner	2 Individual Names on File
Last Sale	$593,500 (Jan 2023)
Tax Bill	$14,667 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-36-255-006`

Property Details

APN / Parcel Number

Primary APN	`05-36-255-006`

Location & Zoning

Street Address	3553 S RIDING RDG
City	ELGIN
State	IL
Zip	60124-8593
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BOWES CREEK COUNTRY CLUB PHASE 4C SUB LT 556
Legal Subdivision	BOWES CREEK COUNTRY CLUB
Legal Phase	4C
Legal Block	2
Legal Lot Number	556
Jurisdiction	KANE IL
Township / Civil Division	PLATO
Census Block Group	1
Census Block	1088
Census Tract	850709

Owner

3553 S Riding Rdg is owned and occupied by two individuals who bought it in January 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	3553 S RIDING RDG, ELGIN, IL 60124-8593
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 11, 2023 · Amount on File
Deed Sale	Jan 11, 2023 · Amount on File
Deed Document Number	20231042
Record Updated	Sep 20, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 11, 2023
Property Address	3553 S RIDING RDG, ELGIN, IL 60124-8593
Document Number	0000001042
Map Reference	DOC 2021K039512
Instrument Date	Dec 1, 2022
Instrument	2023K001042
Transaction Type	Transfer
Record Updated	Aug 29, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$593.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3553 SOUTH RIDGE, ELGIN, IL 60124

Mortgage

Document Number	0000001043
Date	Jan 11, 2023
Instrument	2023K001043

Lender

Name	TOLL BROTHERS MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2053

Interest

Rate Type	Fixed Rate
Rate	5.62%

Tax Assessment & Valuation

The 2025 property tax bill for 3553 S Riding Rdg was $14,667.

Source: Kane County assessment roll, as of December 26, 2025

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	Plato 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	$14,667.00
2024		$190,699 Land $33,165 Building $157,534	$572,326 Land $99,535 Building $472,791
2022	$159.00	$1,798 (+3.51%) Land $1,798	$5,394 (+3.51%) Land $5,394
2021	$159.00	$1,737 Land $1,737	$5,211 Land $5,211

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3553 S Riding Rdg in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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 3553 S Riding Rdg is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 93% of the US · above 42% of Illinois
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T Fiber · DSL in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Metronet.

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