3631 Harborside Way, Elgin, IL 60124 Property Records

Kane County property record for 3631 Harborside Way, Elgin, IL 60124

Property Summary

Property Type	Single Family Home
Lot Size	0.267 acres (11,668 sqft)
Owner	2 Trust Names on File
Last Sale	$570,000 (Apr 2025)
Tax Bill	$15,182 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Jun 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-36-156-005`

Property Details

APN / Parcel Number

Primary APN	`05-36-156-005`

Exterior

Lot Area	11,668 sqft (0.267 acres)

Location & Zoning

Street Address	3631 HARBORSIDE WAY
City	ELGIN
State	IL
Zip	60124-4507
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BOWES CREEK COUNTRY CLUB PHASE 4A LT 621
Legal Subdivision	BOWES CREEK COUNTRY CLUB
Legal Phase	4A
Legal Block	1
Legal Lot Number	621
Jurisdiction	KANE IL
Township / Civil Division	PLATO
Census Block Group	1
Census Block	1088
Census Tract	850709

Owner

3631 Harborside Way is held in a trust since April 2025.

Source: Kane County records, as of July 21, 2026

Owner of Record	2 Trust Names on File
Mailing Address	28W624 BERKSHIRE RD, WEST CHICAGO, IL 60185-2404
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2023	Deed of Trust, Mortgage · Line of Credit KANE COUNTY TEACHERS CU
Jun 17, 2022	Deed of Trust, Mortgage · Line of Credit KANE COUNTY TEACHERS CU
Jan 21, 2022	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 2025 · Amount on File
Deed Sale	Apr 22, 2025 · Amount on File
Prior Sale	Jun 28, 2024 · Amount on File
Deed Document Number	202514172
Record Updated	Sep 20, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	3631 HARBORSIDE WAY, ELGIN, IL 60124-4507
Transaction Type	Mortgage
Record Updated	Oct 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033536
Date	Sep 26, 2023
Instrument	2023K033536

Lender

Name	KANE COUNTY TEACHERS CU
Type	Credit Union
Address	ELGIN, IL 60123

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Sep 25, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KANE IL
Property Address	3631 HARBORSIDE WAY, ELGIN, IL 60124-4507
Transaction Type	Mortgage
Record Updated	Aug 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031656
Date	Jun 17, 2022
Instrument	2022K031656

Lender

Name	KANE COUNTY TEACHERS CU
Type	Credit Union
Address	ELGIN, IL 60123

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jun 16, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KANE IL
Recording Date	Jan 21, 2022
Property Address	3631 HARBORSIDE WAY, ELGIN, IL 60124-4507
Document Number	0000004210
Instrument Date	Nov 19, 2021
Instrument	2022K004210
Transaction Type	Transfer
Record Updated	Aug 29, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$474.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	3631 HARBORSIDE WAY, ELGIN, IL 60124-4507

Mortgage

Document Number	0000004213
Date	Jan 21, 2022
Instrument	2022K004213

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.76%

Tax Assessment & Valuation

The 2025 property tax bill for 3631 Harborside Way was $15,182.

Source: Kane County assessment roll, as of December 26, 2025

Property Jurisdictions

Type	Name
State	Illinois
County	Kane County
County Subdivision	Plato Township
Municipality	Elgin City
Unified School District	School District U-46 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$15,182.00
2024		$189,448 Land $25,795 Building $163,653	$568,571 Land $77,416 Building $491,155
2022	$12,456.00 (+7,733.96%) Homeowner's exemption	$146,187 (+8,316.06%) Land $21,357 Building $124,830	$438,561 (+8,316.06%) Land $64,071 Building $374,490
2021	$159.00	$1,737 Land $1,737	$5,211 Land $5,211

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3631 Harborside Way in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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.

Wildfire

Wildfire risk around 3631 Harborside Way is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 71% of Illinois
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 111 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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