Kane County property record for 3605 Wetlands Dr, Elgin, IL 60124
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2,524 sqft · built 2012 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $500,000 (Aug 2022) |
| Tax Bill | $14,429 (2025) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage Jul 2015 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-12-105-021 |
| Primary APN | 05-12-105-021 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Stories | 1 Story |
| Building Area | 2,524 sqft Living Area |
| 1st Floor Area | 2,524 sqft |
| Basement Area | 2,594 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Lot Area | 7,841 sqft (0.18 acres) |
| Garage Type | Attached |
| Garage Area | 756 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Deck Area | Deck Area |
| Cooling System | Central |
|---|
| Street Address | 3605 WETLANDS DR |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60124-7868 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT OF LT 419 IN HIGHLAND WOODS NEIGHBORHOOD D (ALONG WITH 05-12-105-022) |
| Legal Subdivision | HIGHLAND WOODS |
| Legal Block | 2 |
| Legal Lot Number | 419 |
| Jurisdiction | KANE IL |
| Township / Civil Division | PLATO |
| Census Block Group | 2 |
| Census Block | 2064 |
| Census Tract | 850711 |
3605 Wetlands Dr is owned and occupied by two individuals who bought it in August 2022.
Source: Kane County records, as of July 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3605 WETLANDS DR, ELGIN, IL 60124-7868 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 29, 2022 | Warranty Deed, Transfer · Conventional Mortgage KEY MORTGAGE SERVICES INC |
| Jul 1, 2015 | Deed of Trust, Mortgage · Conventional Mortgage F THOMAS SNELLBACK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 29, 2022 · Amount on File |
| Deed Sale | Aug 29, 2022 · Amount on File |
| Prior Sale | May 2, 2012 · Amount on File |
| Deed Document Number | 202243293 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Aug 29, 2022 |
| Property Address | 3605 WETLANDS DR, ELGIN, IL 60124-7868 |
| Document Number | 0000043293 |
| Map Reference | DOC 2006K120182 |
| Instrument Date | Aug 22, 2022 |
| Instrument | 2022K043293 |
| Transaction Type | Transfer |
| Record Updated | Sep 2, 2022 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $500.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3605 WETLANDS DR, ELGIN, IL 60124-7868 |
| Document Number | 0000043294 |
|---|---|
| Date | Aug 29, 2022 |
| Instrument | 2022K043294 |
| Name | KEY MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.87% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 3605 WETLANDS DR, ELGIN, IL 60124-7868 |
| Document Number | 0000055893 |
| Instrument Date | Jul 1, 2015 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2018 |
| Title Company | ATTORNEY ONLY |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 3605 WETLANDS DR ELGIN IL 601247868, ELGIN, IL 60124-7868 |
| Document Number | 0000055893 |
|---|---|
| Date | Nov 16, 2018 |
| Instrument | 55893 |
| Name | F THOMAS SNELLBACK |
|---|---|
| Address | 2900 SKOKIE HWY, NORTH CHICAGO, IL 60064-3443 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Nov 15, 2028 |
The 2025 property tax bill for 3605 Wetlands Dr was $14,429 with a homeowner's exemption.
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 | $14,429.00 Homeowner's exemption | ||
| 2024 | $182,377 Land $33,165 Building $149,212 | $547,350 Land $99,535 Building $447,815 | |
| 2022 | $12,741.00 (-0.52%) Homeowner's exemption | $140,608 (+3.51%) Land $32,035 Building $108,573 | $421,824 (+3.51%) Land $96,105 Building $325,719 |
| 2021 | $12,808.00 Homeowner's exemption | $135,840 Land $30,949 Building $104,891 | $407,520 Land $92,847 Building $314,673 |
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.
FEMA maps place 3605 Wetlands Dr in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 3605 Wetlands Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 61% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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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