Kane County property record for 3625 Emerald Rd, Elgin, IL 60124
| Property Type | Single Family Home |
|---|---|
| Owner | 2 Individual Names on Record |
| Last Sale | $359,500 (Jun 2021) |
| Tax Bill | $10,679 (2025) |
| Deeds & Mortgages | Jun 2023 Line of Credit Jun 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-36-370-004 |
| Primary APN | 05-36-370-004 |
|---|
| Year Built | Built 2020 |
|---|
| Street Address | 3625 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 23 |
| Legal Subdivision | STONY CREEK |
| Legal Block | 1 |
| Legal Lot Number | 23 |
| Legal Unit | 1 |
| Jurisdiction | KANE IL |
| Township / Civil Division | PLATO |
| Census Block Group | 1 |
| Census Block | 1107 |
| Census Tract | 850709 |
Source: Kane County records, as of October 20, 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 Record |
|---|---|
| Mailing Address | 3625 EMERALD RD, ELGIN, IL 60124-8459 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Jun 22, 2023 | Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA |
| Jun 1, 2021 | Special Warranty Deed, Transfer · Conventional Mortgage LENNAR MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 1, 2021 · Amount on Record |
| Deed Sale | Jun 1, 2021 · Amount on Record |
| Deed Document Number | 202141841 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 3625 EMERALD RD, ELGIN, IL 60124-8459 |
| Transaction Type | Mortgage |
| Record Updated | Jul 4, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3625 EMERALD RD, ELGIN, IL 60124-8459 |
| Document Number | 0000020482 |
|---|---|
| Date | Jun 22, 2023 |
| Instrument | 2023K020482 |
| Name | BMO HARRIS BANK NA |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60606 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 16, 2053 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jun 1, 2021 |
| Property Address | 3625 EMERALD RD, ELGIN, IL 60124-8459 |
| Document Number | 0000041841 |
| Map Reference | DOC 2018K053935 |
| Instrument Date | May 28, 2021 |
| Instrument | 2021K041841 |
| Transaction Type | Transfer |
| Record Updated | Sep 15, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $359.50 |
| 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 | 3625 EMERALD RD, ELGIN, IL 60124-8459 |
| Document Number | 0000041842 |
|---|---|
| Date | Jun 1, 2021 |
| Instrument | 2021K041842 |
| Name | LENNAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.12% |
| Change Frequency | Annually |
Source: Kane County assessment roll, as of July 23, 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $10,679.00 (-6.76%) Homeowner's exemption | $143,516 (+10.34%) Land $29,791 Building $113,725 | $430,720 (+10.34%) Land $89,409 Building $341,312 |
| 2024 | $130,071 (+5.8%) Land $27,638 Building $102,433 | $390,369 (+5.85%) Land $82,947 Building $307,422 | |
| 2022 | $11,453.00 (+104.52%) Homeowner's exemption | $122,936 (+109.95%) Land $24,917 Building $98,019 | $368,808 (+109.95%) Land $74,751 Building $294,057 |
| 2021 | $5,600.00 Homeowner's exemption | $58,554 Land $1,737 Building $56,817 | $175,662 Land $5,211 Building $170,451 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 3 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 117 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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