Kane County property record for 3600 Harmony Cir, Elgin, IL 60124
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $437,000 (Apr 2020) |
| Tax Bill | $14,518 (2025) |
| Deeds & Mortgages | Nov 2025 Line of Credit May 2023 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-12-128-012 |
| Primary APN | 05-12-128-012 |
|---|
| Lot Area | 13,068 sqft (0.3 acres) |
|---|
| Street Address | 3600 HARMONY CIR |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60124-5710 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HIGHLAND WOODS NEIGHBORHOOD D LT 375 |
| Legal Subdivision | HIGHLAND WOODS |
| Legal Block | 2 |
| Legal Lot Number | 375 |
| Jurisdiction | KANE IL |
| Township / Civil Division | PLATO |
| Census Block Group | 2 |
| Census Block | 2037 |
| Census Tract | 850711 |
Source: Kane County records · APN 05-12-128-012
Assessment roll updated July 23, 2026 · Last verified August 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 | 3600 HARMONY CIR, ELGIN, IL 60124-5710 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Nov 17, 2025 | Deed of Trust, Mortgage · Line of Credit FIRST AMERICAN BANK |
| May 30, 2023 | Deed of Trust, Mortgage · Line of Credit EVERGREEN BANK GROUP |
| Mar 09, 2023 | Intrafamily Transfer, Transfer |
| Jan 05, 2022 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Apr 15, 2020 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 15, 2020 · Amount on Record |
| Deed Sale | Apr 15, 2020 · Amount on Record |
| Prior Sale | Nov 10, 2015 · Amount on Record |
| Deed Document Number | 202018687 |
| Last Transfer Date | Sep 28, 2022 |
| Transfer Doc | 0000007391 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 3600 HARMONY CIR, ELGIN, IL 60124-5710 |
| Transaction Type | Mortgage |
| Record Updated | Nov 26, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000045370 |
|---|---|
| Date | Nov 17, 2025 |
| Instrument | 2025K045370 |
| Name | FIRST AMERICAN BANK |
|---|---|
| Type | Bank |
| Address | HAMPSHIRE, IL 60140 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Dec 01, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7% |
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 3600 HARMONY CIR, ELGIN, IL 60124-5710 |
| Transaction Type | Mortgage |
| Record Updated | Jun 08, 2023 |
| Title Company | PRAIRIE TITLE SERVICES |
| Name | Verified Name |
|---|---|
| Address | 3600 HARMONY CIR, ELGIN, IL 60124-5710 |
| Document Number | 0000017236 |
|---|---|
| Date | May 30, 2023 |
| Instrument | 2023K017236 |
| Name | EVERGREEN BANK GROUP |
|---|---|
| Type | Bank |
| Address | OAK BROOK, IL 60523 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 10, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 8.25% |
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Mar 09, 2023 |
| Property Address | 3600 HARMONY CIR, ELGIN, IL 60124-5710 |
| Document Number | 0000007391 |
| Map Reference | DOC 2006K120182 |
| Instrument Date | Sep 28, 2022 |
| Instrument | 2023K007391 |
| Transaction Type | Transfer |
| Record Updated | Jun 07, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 3600 HARMONY CIR, ELGIN, IL 60124-5710 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 3600 HARMONY CIR, ELGIN, IL 60124-5710 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Title Company | BAIRD AND WARNER TITLE SERVICES INC, BAIRD & WARNER TTL SVCS INC |
| Name | Verified Name |
|---|
| Document Number | 0000000901 |
|---|---|
| Date | Jan 05, 2022 |
| Instrument | 2022K000901 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.37% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Apr 15, 2020 |
| Property Address | 3600 HARMONY CIR, ELGIN, IL 60124-5710 |
| Document Number | 0000018687 |
| Map Reference | DOC 2006K120182 |
| Instrument Date | Feb 26, 2020 |
| Instrument | 2020K018687 |
| Transaction Type | Transfer |
| Record Updated | Jul 27, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $437.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3600 HARMONY CIR, ELGIN, IL 60124-5710 |
| Document Number | 0000018688 |
|---|---|
| Date | Apr 15, 2020 |
| Instrument | 2020K018688 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Mar 01, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.37% |
Source: Kane County records · Assessment roll updated July 23, 2026 · Last verified August 2026
| 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) |
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 | $14,518.00 (+10.64%) | $197,752 (+7.79%) Land $31,776 Building $165,976 | $593,493 (+7.79%) Land $95,366 Building $498,127 |
| 2024 | $183,461 (+26.85%) Land $29,480 Building $153,981 | $550,603 (+26.9%) Land $88,475 Building $462,128 | |
| 2022 | $13,122.00 (-0.52%) Homeowner's exemption | $144,627 (+3.51%) Land $28,476 Building $116,151 | $433,881 (+3.51%) Land $85,428 Building $348,453 |
| 2021 | $13,191.00 Homeowner's exemption | $139,722 Land $27,510 Building $112,212 | $419,166 Land $82,530 Building $336,636 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 in force |
| Wildfire Risk | Not rated no burnable land within 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Radiate Holdings Cable | 1,500 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 167 locations within half a mile of this property.
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 |
| 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.
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