3581 Emerald Rd, Elgin, IL 60124 Property Records

Kane County property record for 3581 Emerald Rd, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Owner	2 Company Names on File
Last Sale	$500,000 (Apr 2023)
Tax Bill	$14,305 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-01-129-014`

Property Details

APN / Parcel Number

Primary APN	`08-01-129-014`

Location & Zoning

Street Address	3581 EMERALD RD
City	ELGIN
State	IL
Zip	60124-8773
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE PONDS OF STONY CREEK UNIT 2A - LOT 124
Legal Subdivision	STONY CREEK
Legal Block	1
Legal Lot Number	124
Legal Unit	2A
Jurisdiction	KANE IL
Township / Civil Division	CAMPTON
Census Block Group	2
Census Block	2005
Census Tract	852406

Owner

Source: Kane County records · APN 08-01-129-014

Assessment roll updated August 25, 2025 · Last verified July 2026

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

Owner of Record	2 Company Names on File
Mailing Address	3581 EMERALD RD, ELGIN, IL 60124-8773
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Living Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 04, 2023 · Amount on Record
Deed Sale	Apr 04, 2023 · Amount on Record
Deed Document Number	202310468
Last Transfer Date	Oct 01, 2024
Transfer Doc	0000040861
Record Updated	Sep 20, 2026

April 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	KANE IL
Recording Date	Apr 04, 2023
Property Address	3581 EMERALD RD, ELGIN, IL 60124-8773
Document Number	0000010468
Map Reference	DOC 2021K022404
Instrument Date	Feb 24, 2023
Instrument	2023K010468
Transaction Type	Transfer
Record Updated	Aug 29, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1700 E GOLF RD # RD1100, RD1100, SCHAUMBURG, IL 60173-5804

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	160 GOLDENROD DR, ELGIN, IL 60124-5746

Mortgage

Document Number	0000010469
Date	Apr 04, 2023
Instrument	2023K010469

Lender

Name	LENNAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Mar 01, 2053

Interest

Rate Type	Fixed Rate
Rate	5.37%

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated August 25, 2025 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	Campton Township
Municipality	Elgin City
Unified School District	St. Charles Community Unit School District 303 (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$14,305.00 (+8,465.87%)
2024		$200,843 (+10,815.38%) Land $26,217 Building $174,626	$602,770 (+10,819.75%) Land $78,682 Building $524,088
2022	$167.00 (+2.45%)	$1,840 (+5.93%) Land $1,840	$5,520 (+5.93%) Land $5,520
2021	$163.00	$1,737 Land $1,737	$5,211 Land $5,211

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 8, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 184 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ELGIN serves 114,797 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.