3597 Emerald Rd, Elgin, IL 60124 Property Records

Kane County property record for 3597 Emerald Rd, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Lot Size	0.375 acres (16,341 sqft)
Owner	2 Individual Names on File
Last Sale	$478,000 (Dec 2021)
Tax Bill	$13,855 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-36-390-003`

Property Details

APN / Parcel Number

Primary APN	`05-36-390-003`

Exterior

Lot Area	16,341 sqft (0.375 acres)

Location & Zoning

Street Address	3597 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 1 (11/5/18) LT 35
Legal Subdivision	STONY CREEK
Legal Block	1
Legal Lot Number	35
Legal Unit	1
Jurisdiction	KANE IL
Township / Civil Division	PLATO
Census Block Group	1
Census Block	1107
Census Tract	850709

Owner

Source: Kane County records · APN 05-36-390-003

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	3597 EMERALD RD, ELGIN, IL 60124-8773
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 16, 2021 · Amount on Record
Deed Sale	Dec 16, 2021 · Amount on Record
Deed Document Number	202193379
Record Updated	Sep 20, 2026

December 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	KANE IL
Recording Date	Dec 16, 2021
Property Address	3597 EMERALD RD, ELGIN, IL 60124-8773
Document Number	0000093379
Map Reference	DOC 2018K053935
Instrument Date	Dec 15, 2021
Instrument	2021K093379
Transaction Type	Transfer
Record Updated	Aug 29, 2023
Title Company	LENNAR TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$478.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	336 SOMERSET DR, STREAMWOOD, IL 60107-1043

Mortgage

Document Number	0000093380
Date	Dec 16, 2021
Instrument	2021K093380

Lender

Name	LENNAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2052

Interest

Rate Type	Fixed Rate
Rate	3.25%

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 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	$13,855.00 (-8.51%) Homeowner's exemption
2024		$165,178 (+2.84%) Land $27,638 Building $137,540	$495,732 (+2.88%) Land $82,947 Building $412,785
2022	$15,143.00 (+8,503.98%) Homeowner's exemption	$160,614 (+9,146.63%) Land $24,917 Building $135,697	$481,842 (+9,146.63%) Land $74,751 Building $407,091
2021	$176.00	$1,737 Land $1,737	$5,211 Land $5,211

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
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.

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.