3594 Harmony Cir, Elgin, IL 60124 Property Records

Kane County property record for 3594 Harmony Cir, Elgin, IL 60124 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on File
Last Sale	$462,000 (Jul 2014)
Tax Bill	$16,174 (2025)
Deeds & Mortgages	Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-12-128-018`

Property Details

APN / Parcel Number

Primary APN	`05-12-128-018`

Exterior

Lot Area	15,246 sqft (0.35 acres)

Location & Zoning

Street Address	3594 HARMONY CIR
City	ELGIN
State	IL
Zip	60124-3124
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIGHLAND WOODS NEIGHBORHOOD D LT 378
Legal Subdivision	HIGHLAND WOODS
Legal Block	2
Legal Lot Number	378
Jurisdiction	KANE IL
Township / Civil Division	PLATO
Census Block Group	2
Census Block	2037
Census Tract	850711

Owner

Source: Kane County records · APN 05-12-128-018

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 Individual Names on File
Mailing Address	3594 HARMONY CIR, ELGIN, IL 60124-3124
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 18, 2014 · Amount on Record
Deed Sale	Jul 18, 2014 · Amount on Record
Prior Sale	Jan 14, 2014 · Amount on Record
Deed Document Number	201435110
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	3594 HARMONY CIR, ELGIN, IL 60124-3124
Transaction Type	Mortgage
Record Updated	Aug 05, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016411
Date	Mar 03, 2021
Instrument	2021K016411

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jan 01, 2051

Interest

Rate	3.12%

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	Plato Township
Municipality	Elgin City
Unified School District	Central Community Unit School District 301 (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$16,174.00 (+10.3%) Homeowner's exemption
2024		$203,531 (+26.48%) Land $29,480 Building $174,051	$610,837 (+26.53%) Land $88,475 Building $522,362
2022	$14,664.00 (-0.54%) Homeowner's exemption	$160,925 (+3.51%) Land $28,476 Building $132,449	$482,775 (+3.51%) Land $85,428 Building $397,347
2021	$14,744.00 Homeowner's exemption	$155,468 Land $27,510 Building $127,958	$466,404 Land $82,530 Building $383,874

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170898507112, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 4 individual NFIP policies nearby
Nearby Flood Policies	4 in force 3 of 4 on primary residences

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.