Kane County property record for 3614 Emerald Rd, Elgin, IL 60124
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.31 acres (13,543 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $340,000 (Jan 2021) |
| Tax Bill | $11,629 (2025) |
| Deeds & Mortgages | Oct 2022 Line of Credit Jan 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-36-368-034 |
| Primary APN | 05-36-368-034 |
|---|
| Lot Area | 13,543 sqft (0.31 acres) |
|---|
| Street Address | 3614 EMERALD RD |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60124-8564 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THE PONDS OF STONY CREEK UNIT 1 (11/5/18) LT 104 |
| Legal Subdivision | STONY CREEK |
| Legal Block | 1 |
| Legal Lot Number | 104 |
| Legal Unit | 1 |
| Jurisdiction | KANE IL |
| Township / Civil Division | PLATO |
| Census Block Group | 1 |
| Census Block | 1107 |
| Census Tract | 850709 |
Source: Kane County records · APN 05-36-368-034
Assessment roll updated August 25, 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 3614 EMERALD RD, ELGIN, IL 60124-8564 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Oct 03, 2022 | Deed of Trust, Mortgage · Line of Credit DUPAGE CU |
| Jan 06, 2022 | Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP |
| Jan 06, 2021 | Special Warranty Deed, Transfer · Conventional Mortgage EAGLE HOME MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 06, 2021 · Amount on Record |
| Deed Sale | Jan 06, 2021 · Amount on Record |
| Deed Document Number | 20211167 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 3614 EMERALD RD, ELGIN, IL 60124-8564 |
| Transaction Type | Mortgage |
| Record Updated | Oct 07, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000048571 |
|---|---|
| Date | Oct 03, 2022 |
| Instrument | 2022K048571 |
| Name | DUPAGE CU |
|---|---|
| Type | Credit Union |
| Address | NAPERVILLE, IL 60567 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Oct 31, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 3614 EMERALD RD, ELGIN, IL 60124-8564 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000001070 |
|---|---|
| Date | Jan 06, 2022 |
| Instrument | 2022K001070 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | STRONGSVILLE, OH 44136 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2052 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.5% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jan 06, 2021 |
| Property Address | 3614 EMERALD RD, ELGIN, IL 60124-8564 |
| Document Number | 0000001167 |
| Map Reference | DOC 2018K053935 |
| Instrument Date | Nov 13, 2020 |
| Instrument | 2021K001167 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 2022 |
| Title Company | LENNAR TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $340.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1141 E MAIN ST # ST108, 1141, EAST DUNDEE, IL 60118-2440 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3614 EMERALD RD, ELGIN, IL 60124-8564 |
| Document Number | 0000001168 |
|---|---|
| Date | Jan 06, 2021 |
| Instrument | 2021K001168 |
| Name | EAGLE HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Dec 01, 2050 |
Source: Kane County records · Assessment roll updated August 25, 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 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 | $11,629.00 (+6.56%) Homeowner's exemption | ||
| 2024 | $145,318 (+18.67%) Land $27,638 Building $117,680 | $436,128 (+18.72%) Land $82,947 Building $353,181 | |
| 2022 | $10,913.00 (-0.31%) Homeowner's exemption | $122,453 (+7.94%) Land $21,357 Building $101,096 | $367,359 (+7.94%) Land $64,071 Building $303,288 |
| 2021 | $10,947.00 Homeowner's exemption | $113,445 Land $20,633 Building $92,812 | $340,335 Land $61,899 Building $278,436 |
Source: FEMA National Flood Hazard Layer, Kane County (17089C), as of October 8, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170898507091, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Wildfire Risk | Low lower than 99.1% of the US · lower than 94% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| 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 as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 184 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system IL0894380, 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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