Kane County property record for 3606 Harmony Cir, Elgin, IL 60124 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | Individual Name on File |
| Last Sale | $580,000 (May 2026) |
| Tax Bill | $13,310 (2025) |
| Deeds & Mortgages | Aug 2022 Construction Loan Nov 2024 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-12-128-015 |
| Primary APN | 05-12-128-015 |
|---|
| Lot Area | 10,454 sqft (0.24 acres) |
|---|
| Street Address | 3606 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 372 |
| Legal Subdivision | HIGHLAND WOODS |
| Legal Block | 2 |
| Legal Lot Number | 372 |
| Jurisdiction | KANE IL |
| Township / Civil Division | PLATO |
| Census Block Group | 2 |
| Census Block | 2037 |
| Census Tract | 850711 |
Source: Kane County records · APN 05-12-128-015
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 Record | Individual Name on File |
|---|---|
| Mailing Address | 3606 HARMONY CIR, ELGIN, IL 60124-5710 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Aug 08, 2022 | Deed of Trust, Mortgage · Construction Mortgage HEARTLAND BANK & TRUST CO |
| Nov 25, 2024 | Deed of Trust, Mortgage · VA Mortgage TRUSTED MORTGAGE CAPITAL INC |
| May 11, 2026 | Special Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE, INC |
| May 11, 2026 | Warranty Deed, Transfer E-CHICAGO TITLE, CHICAGO TITLE |
| Feb 02, 2023 | Warranty Deed, Transfer · VA Mortgage LOWER LLC |
| Oct 07, 2020 | Special Warranty Deed, Transfer · Line of Credit HEARTLAND BANK & TRUST CO |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 11, 2026 · Amount on Record |
| Deed Sale | May 11, 2026 · Amount on Record |
| Prior Sale | May 11, 2026 · Amount on Record |
| Deed Document Number | 202619130 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 3606 HARMONY CIR, ELGIN, IL 60124-5710 |
| Transaction Type | Mortgage |
| Record Updated | Jun 04, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000040205 |
|---|---|
| Date | Aug 08, 2022 |
| Instrument | 2022K040205 |
| Name | HEARTLAND BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | SYCAMORE, IL 60178 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 9 Months |
| Due | May 03, 2023 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 3606 HARMONY CIR, ELGIN, IL 60124-5710 |
| Transaction Type | Mortgage |
| Record Updated | Jun 04, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3606 HARMONY CIR, ELGIN, IL 60124-5710 |
| Document Number | 0000043682 |
|---|---|
| Date | Nov 25, 2024 |
| Instrument | 2024K043682 |
| Name | TRUSTED MORTGAGE CAPITAL INC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2054 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | May 11, 2026 |
| Property Address | 3606 HARMONY CIR, ELGIN, IL 60124-5710 |
| Document Number | 0000019130 |
| Instrument Date | Apr 22, 2026 |
| Instrument | 2026.19130 |
| Transaction Type | Transfer |
| Record Updated | May 20, 2026 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $87,870.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 3606 HARMONY CIR, ELGIN, IL 60124-5710 |
| Document Number | 0000019131, |
|---|---|
| Date | May 11, 2026 |
| Instrument | 2026.19131 |
| Name | GUARANTEED RATE, INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.75% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | May 11, 2026 |
| Property Address | 3606 HARMONY CIR, ELGIN, IL 60124-5710 |
| Document Number | 0000019129 |
| Instrument Date | Feb 24, 2026 |
| Instrument | 2026.19129 |
| Transaction Type | Transfer |
| Record Updated | May 20, 2026 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $87,870.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Feb 02, 2023 |
| Property Address | 3606 HARMONY CIR, ELGIN, IL 60124-5710 |
| Document Number | 0000003460 |
| Map Reference | DOC 2006K120182 |
| Instrument Date | Dec 07, 2022 |
| Instrument | 2023K003460 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $563.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1827 E LINCOLN HWY # HWY1, HWY1, DEKALB, IL 60115-3958 |
| Name | Verified Name |
|---|---|
| Address | 3606 HARMONY CIR, ELGIN, IL 60124-5710 |
| Document Number | 0000003461 |
|---|---|
| Date | Feb 02, 2023 |
| Instrument | 2023K003461 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.75% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Oct 07, 2020 |
| Property Address | 3606 HARMONY CIR, ELGIN, IL 60124-5710 |
| Document Number | 0000059466 |
| Map Reference | DOC 2006K120183 |
| Instrument Date | Oct 01, 2020 |
| Instrument | 2020K059466 |
| Transaction Type | Transfer |
| Record Updated | Aug 05, 2022 |
| Title Company | CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $186.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1751A W DIEHL RD, 1751A, NAPERVILLE, IL 60563-1885 |
| Name | Verified Name |
|---|---|
| Address | 1827 E LINCOLN HWY # 1, 1, DEKALB, IL 60115-3958 |
| Investor | Possibly a Property Investor |
| Document Number | 0000059467 |
|---|---|
| Date | Oct 07, 2020 |
| Instrument | 2020K059467 |
| Name | HEARTLAND BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Sep 30, 2021 |
Source: Kane County records · Assessment roll updated December 26, 2025 · Last verified July 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 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 | $13,310.00 (-3.89%) | ||
| 2024 | $13,848.00 (+623.51%) | $170,394 (+742.41%) Land $29,480 Building $140,914 | $511,387 (+742.75%) Land $88,475 Building $422,911 |
| 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 |
Source: FEMA National Flood Hazard Layer, Kane County (17089C), updated October 8, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170898507112, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Policies | 4 in force |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 167 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| AT&T | Fiber | 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 |
May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.
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