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3604 Harmony Cir, Elgin, IL 60124 Property Records

Kane County property record for 3604 Harmony Cir, Elgin, IL 60124 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Lot Size10,019 sqft (0.23 acres)
Last Sale$700,000 (2025)
Tax Bill$14,735.00 (2025)

Owner

Source: Kane County records · APN 05-12-128-014

Assessment roll updated December 26, 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 Record2 Company Names on File
Mailing Address3604 HARMONY CIR, ELGIN, IL 60124-5710
Owner TypeOwner is a Company

Deeds, Mortgages & Sale History

DateDocument
Dec 12, 2025Warranty Deed, Transfer
CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO
Aug 09, 2023Warranty Deed, Transfer · Conventional Mortgage
LOWER LLC
Dec 13, 2022Deed of Trust, Mortgage · Building or Construction Mortgage
ILLINOIS BANK & TRUST
Oct 07, 2020Special Warranty Deed, Transfer · Line of Credit
HEARTLAND BANK & TRUST CO

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 12, 2025 · Amount on Record
Deed SaleDec 12, 2025 · Amount on Record
Prior SaleAug 09, 2023 · Amount on Record
Deed Doc Number202549522
Record RefreshedSep 20, 2026

December 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateDec 12, 2025
Property Address3604 HARMONY CIR, ELGIN, IL 60124-5710
Document Number0000049522
Map ReferenceDOC 2006K120182
Instrument DateDec 02, 2025
Instrument2025K049522
Transaction TypeTransfer
Record UpdatedDec 24, 2025
Title CompanyCHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

AmountAmount Recorded
Tax$700.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address3604 HARMONY CIR, ELGIN, IL 60124-5710

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipLiving Trust
Address3604 HARMONY CIR, ELGIN, IL 60124-5710

August 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionKANE IL
Recording DateAug 09, 2023
Property Address3604 HARMONY CIR, ELGIN, IL 60124-5710
Document Number0000027249
Map ReferenceDOC 2006K120182
Instrument DateJun 29, 2023
Instrument2023K027249
Transaction TypeTransfer
Record UpdatedAug 17, 2023

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$610.50
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address1827 E LINCOLN HWY # HWY1, HWY1, DEKALB, IL 60115-3958

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenant By Entirety
Address3604 HARMONY CIR, ELGIN, IL 60124-5710

Mortgage

Document Number0000027250
DateAug 09, 2023
Instrument2023K027250
Lender
NameLOWER LLC
TypeMortgage Company
AddressCOLUMBIA, MD 21046
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 01, 2053
Interest
Rate TypeFixed Rate
Rate7.5%

December 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionKANE IL
Property Address3604 HARMONY CIR, ELGIN, IL 60124-5710
Transaction TypeMortgage
Record UpdatedDec 20, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000058594
DateDec 13, 2022
Instrument2022K058594
Lender
NameILLINOIS BANK & TRUST
TypeBank
AddressROCKFORD, IL 61107
Agreement
TypeBuilding or Construction Mortgage
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Rate7.75%
Change FrequencyAnnually
Min Rate At Change4%
Index1-Year LIBOR
Margin7

October 2020: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionKANE IL
Recording DateOct 07, 2020
Property Address3604 HARMONY CIR, ELGIN, IL 60124-5710
Document Number0000059466
Map ReferenceDOC 2006K120183
Instrument DateOct 01, 2020
Instrument2020K059466
Transaction TypeTransfer
Record UpdatedAug 05, 2022
Title CompanyCHICAGO TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$186.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name
Address1751A W DIEHL RD, 1751A, NAPERVILLE, IL 60563-1885

Transferred To (Grantee/Buyer)

NameVerified Name
Address1827 E LINCOLN HWY # 1, 1, DEKALB, IL 60115-3958
InvestorPossibly a Property Investor

Mortgage

Document Number0000059467
DateOct 07, 2020
Instrument2020K059467
Lender
NameHEARTLAND BANK & TRUST CO
TypeBank
Agreement
TypeLine of Credit
AmountAmount Recorded
Term12 Months
DueSep 30, 2021

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated December 26, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionPlato Township
MunicipalityElgin City
Unified School DistrictCentral 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.

YearTax BillAssessed ValueAssessed Market Value
2025$14,735.00 (-3.92%)
2024$15,336.00 (+701.25%) Homeowner's exemption$187,742 (+828.18%) Land $29,480 Building $158,262$563,451 (+828.55%) Land $88,475 Building $474,976
2022$1,914.00 (-0.67%)$20,227 (+3.51%) Land $20,227$60,681 (+3.51%) Land $60,681
2021$1,927.00$19,541 Land $19,541$58,623 Land $58,623

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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

Property Details

APN / Parcel Number

Primary APN05-12-128-014

Exterior

Lot Area10,019 sqft (0.23 acres)

Location & Zoning

Street Address3604 HARMONY CIR
CityELGIN
StateIL
Zip60124-5710
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionHIGHLAND WOODS NEIGHBORHOOD D LT 373
Legal SubdivisionHIGHLAND WOODS
Legal Block2
Legal Lot Number373
JurisdictionKANE IL
Minor Civil DivisionPLATO
Census Blockgroup2
Census Block2037
Census Tract850711

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