Kane County property record for 3599 Harmony Cir, Elgin, IL 60124
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $523,500 (Jul 2022) |
| Tax Bill | $12,558 (2025) |
| Deeds & Mortgages | Sep 2021 Construction Loan Jul 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-12-129-004 |
| Primary APN | 05-12-129-004 |
|---|
| Lot Area | 11,761 sqft (0.27 acres) |
|---|
| Street Address | 3599 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 389 |
| Legal Subdivision | HIGHLAND WOODS |
| Legal Block | 2 |
| Legal Lot Number | 389 |
| Jurisdiction | KANE IL |
| Township / Civil Division | PLATO |
| Census Block Group | 2 |
| Census Block | 2076 |
| Census Tract | 850711 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3599 HARMONY CIR, ELGIN, IL 60124-3124 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Sep 21, 2021 | Deed of Trust, Mortgage · Construction Mortgage HEARTLAND BANK & TRUST CO |
| Jul 11, 2022 | Warranty Deed, Transfer · Conventional Mortgage LOWER LLC |
| Jan 8, 2021 | Grant Deed, Construction Loan · Construction Mortgage HEARTLAND BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 11, 2022 · Amount on Record |
| Deed Sale | Jul 11, 2022 · Amount on Record |
| Prior Sale | Aug 9, 2007 · Amount on Record |
| Deed Document Number | 202235340 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 3599 HARMONY CIR, ELGIN, IL 60124-3124 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000071703 |
|---|---|
| Date | Sep 21, 2021 |
| Instrument | 2021K071703 |
| Name | HEARTLAND BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | SYCAMORE, IL 60178 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 9 Months |
| Due | Jun 10, 2022 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jul 11, 2022 |
| Property Address | 3599 HARMONY CIR, ELGIN, IL 60124-3124 |
| Document Number | 0000035340 |
| Map Reference | DOC 2006K12012 |
| Instrument Date | Mar 24, 2022 |
| Instrument | 2022K035340 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2023 |
| Title Company | NOT AVAILABLE, ATTORNEYS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $523.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1827 E LINCOLN HWY # HWY1, HWY1, DEKALB, IL 60115-3958 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3599 HARMONY CIR, ELGIN, IL 60124-3124 |
| Document Number | 0000035341 |
|---|---|
| Date | Jul 11, 2022 |
| Instrument | 2022K035341 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | May 1, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.87% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jan 8, 2021 |
| Property Address | 3599 HARMONY CIR, ELGIN, IL 60124-3124 |
| Document Number | 0000001965 |
| Instrument Date | Dec 30, 2020 |
| Instrument | 1965 |
| Transaction Type | Construction Loan |
| Record Updated | Jan 27, 2021 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $279.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1827 E LINCOLN HWY DEKALB IL 601153958, DEKALB, IL 60115-3958 |
| Document Number | 1966 |
|---|---|
| Date | Jan 8, 2021 |
| Instrument | 1966 |
| Name | HEARTLAND BK |
|---|---|
| Type | Bank |
| Address | SYCAMORE, IL 60178 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jan 7, 2022 |
Source: Kane County assessment roll, as of August 25, 2025
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $12,558.00 (+38.02%) Homeowner's exemption | ||
| 2024 | $159,686 (+59.18%) Land $29,480 Building $130,206 | $479,250 (+59.24%) Land $88,475 Building $390,774 | |
| 2022 | $9,099.00 (+372.18%) Homeowner's exemption | $100,318 (+413.37%) Land $20,227 Building $80,091 | $300,954 (+413.37%) Land $60,681 Building $240,273 |
| 2021 | $1,927.00 | $19,541 Land $19,541 | $58,623 Land $58,623 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 4 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 167 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Astound Broadband Cable | 1,500 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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