Kane County property record for 3623 Emerald Rd, Elgin, IL 60124
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.263 acres (11,496 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $400,000 (Oct 2020) |
| Tax Bill | $12,925 (2025) |
| Deeds & Mortgages | Sep 2022 Line of Credit Jan 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-36-370-005 |
| Primary APN | 05-36-370-005 |
|---|
| Lot Area | 11,496 sqft (0.263 acres) |
|---|
| Street Address | 3623 EMERALD RD |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60124-8459 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THE PONDS OF STONY CREEK UNIT 1 (11/5/18) LT 24 |
| Legal Subdivision | STONY CREEK |
| Legal Block | 1 |
| Legal Lot Number | 24 |
| 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 05-36-370-005
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 3623 EMERALD RD, ELGIN, IL 60124-8459 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Sep 27, 2022 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Jan 24, 2022 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 29, 2020 · Amount on Record |
| Deed Sale | Oct 29, 2020 · Amount on Record |
| Deed Document Number | 202065500 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 3623 EMERALD RD, ELGIN, IL 60124-8459 |
| Transaction Type | Mortgage |
| Record Updated | Oct 03, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3623 EMERALD RD, ELGIN, IL 60124-8459 |
| Document Number | 0000047884 |
|---|---|
| Date | Sep 27, 2022 |
| Instrument | 2022K047884 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Sep 25, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 3623 EMERALD RD, ELGIN, IL 60124-8459 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2022 |
| Title Company | GREATER ILLINOIS TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0000004525 |
|---|---|
| Date | Jan 24, 2022 |
| Instrument | 2022K004525 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2052 |
| Rate | 2.99% |
|---|
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 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 | $12,925.00 (+0.25%) Homeowner's exemption | ||
| 2024 | $157,368 (+14.33%) Land $27,638 Building $129,730 | $472,293 (+14.38%) Land $82,947 Building $389,346 | |
| 2022 | $12,893.00 (-0.33%) Homeowner's exemption | $137,644 (+3.51%) Land $24,917 Building $112,727 | $412,932 (+3.51%) Land $74,751 Building $338,181 |
| 2021 | $12,936.00 Homeowner's exemption | $132,976 Land $24,072 Building $108,904 | $398,928 Land $72,216 Building $326,712 |
Source: FEMA National Flood Hazard Layer as of October 8, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · 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 | Not rated no burnable land within 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 in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 117 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System 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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