Kane County property record for 3607 Harmony Cir, Elgin, IL 60124 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Lot Size | 12,632 sqft (0.29 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $334,000 (2022) |
| Tax Bill | $12,558.00 (2025) |
| Primary APN | 05-12-129-001 |
|---|
| Lot Area | 12,632 sqft (0.29 acres) |
|---|
| Street Address | 3607 HARMONY CIR |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60124-5710 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | HIGHLAND WOODS NEIGHBORHOOD D LT 392 |
| Legal Subdivision | HIGHLAND WOODS |
| Legal Block | 2 |
| Legal Lot Number | 392 |
| Jurisdiction | KANE IL |
| Minor Civil Division | PLATO |
| Census Blockgroup | 2 |
| Census Block | 2076 |
| Census Tract | 850711 |
Source: Kane County records · APN 05-12-129-001
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 | 3607 HARMONY CIR, ELGIN, IL 60124-5710 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is a Company |
| Vesting | Trustor/Debtor (Borrower in Default/Foreclosure On Trustee's Deed) |
| Date | Document |
|---|---|
| Dec 19, 2025 | Deed of Trust, Mortgage · Stand Alone Second Mortgage SOFI BANK NA |
| Mar 08, 2021 | Deed of Trust, Mortgage · Line of Credit HEARTLAND BANK & TRUST CO |
| Feb 16, 2022 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| May 16, 2022 | Warranty Deed, Transfer · Conventional Mortgage LOWER LLC |
| Jan 08, 2021 | Grant Deed, Construction Loan · Building or Construction Mortgage HEARTLAND BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 16, 2022 · Amount on Record |
| Deed Sale | May 16, 2022 · Amount on Record |
| Prior Sale | Aug 09, 2007 · Amount on Record |
| Deed Doc Number | 202226039 |
| Prior Transfer Date | Jan 31, 2022 |
| Prior Transfer Doc | 0000009245 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 3607 HARMONY CIR, ELGIN, IL 60124-5710 |
| Transaction Type | Mortgage |
| Record Updated | Dec 29, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000050576 |
|---|---|
| Date | Dec 19, 2025 |
| Instrument | 2025K050576 |
| Name | SOFI BANK NA |
|---|---|
| Type | Bank |
| Address | SALT LAKE CITY, UT 84121 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 01, 2045 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 8.49% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 3607 HARMONY CIR, ELGIN, IL 60124-5710 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2023 |
| Title Company | AF TITLE COMPANY, FOX TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000017699 |
|---|---|
| Date | Mar 08, 2021 |
| Instrument | 2021K017699 |
| Name | HEARTLAND BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | 50178 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Feb 16, 2022 |
| Property Address | 3607 HARMONY CIR, ELGIN, IL 60124-5710 |
| Document Number | 0000009245 |
| Map Reference | DOC 2006K120182 |
| Instrument Date | Feb 16, 2022 |
| Instrument | 2022K009245 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3607 HARMONY CIR, ELGIN, IL 60124-5710 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | May 16, 2022 |
| Property Address | 3607 HARMONY CIR, ELGIN, IL 60124-5710 |
| Document Number | 0000026039 |
| Map Reference | DOC 2006K120182 |
| Instrument Date | Jan 06, 2022 |
| Instrument | 2022K026039 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $501.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1827 E LINCOLN HWY # HWY1, HWY1, DEKALB, IL 60115-3958 |
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 3607 HARMONY CIR, ELGIN, IL 60124-5710 |
| Document Number | 0000026040 |
|---|---|
| Date | May 16, 2022 |
| Instrument | 2022K026040 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Feb 01, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.37% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jan 08, 2021 |
| Property Address | 3607 HARMONY CIR, ELGIN, IL 60124-5710 |
| 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 File |
| 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 08, 2021 |
| Instrument | 1966 |
| Name | HEARTLAND BK |
|---|---|
| Type | Bank |
| Address | SYCAMORE, IL 60178 |
| Type | Building or Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jan 07, 2022 |
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 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 | $12,558.00 (+0.13%) Homeowner's exemption | $176,572 (+10.57%) Land $31,776 Building $144,796 | $529,928 (+10.57%) Land $95,366 Building $434,562 |
| 2024 | $159,686 (+20.52%) Land $29,480 Building $130,206 | $479,250 (+20.56%) Land $88,475 Building $390,774 | |
| 2022 | $12,542.00 (+362.29%) | $132,503 (+381.65%) Land $28,476 Building $104,027 | $397,509 (+381.65%) Land $85,428 Building $312,081 |
| 2021 | $2,713.00 | $27,510 Land $27,510 | $82,530 Land $82,530 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 6% of the US · above 38% of Illinois |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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