Kane County property record for 3638 Ancient Oak Dr, Elgin, IL 60124
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $324,500 (Jun 2017) |
| Tax Bill | $11,948 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage May 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-01-374-014 |
| Primary APN | 05-01-374-014 |
|---|
| Lot Area | 10,019 sqft (0.23 acres) |
|---|
| Street Address | 3638 ANCIENT OAK DR |
|---|---|
| City | ELGIN |
| State | IL |
| Zip | 60124-5712 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HIGHLAND WOODS NEIGHBORHOOD H LT 305 |
| Legal Subdivision | HIGHLAND WOODS |
| Legal Block | 2 |
| Legal Lot Number | 305 |
| Jurisdiction | KANE IL |
| Township / Civil Division | PLATO |
| Census Block Group | 2 |
| Census Block | 2072 |
| Census Tract | 850711 |
3638 Ancient Oak Dr is owned and occupied by two individuals who bought it in June 2017.
Source: Kane County records, as of July 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3638 ANCIENT OAK DR, ELGIN, IL 60124-5712 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage COMPASS MORTGAGE INC |
| May 26, 2020 | Deed of Trust, Mortgage · Conventional Mortgage COMPASS MORTGAGE INC |
| Jun 7, 2017 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage COMPASS MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 7, 2017 · Amount on File |
| Deed Sale | Jun 7, 2017 · Amount on File |
| Prior Sale | Sep 6, 2016 · Amount on File |
| Deed Document Number | 201729056 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 3638 ANCIENT OAK DR, ELGIN, IL 60124-5712 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2021 |
| Title Company | CHICAGO TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000007311 |
|---|---|
| Date | Jan 27, 2021 |
| Instrument | 2021K007311 |
| Name | COMPASS MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | WARRENVILLE, IL 60555 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 2.87% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 3638 ANCIENT OAK DR, ELGIN, IL 60124-5712 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000026618 |
|---|---|
| Date | May 26, 2020 |
| Instrument | 2020K026618 |
| Name | COMPASS MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | WARRENVILLE, IL 60555 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.62% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANE IL |
| Recording Date | Jun 7, 2017 |
| Property Address | 3638 ANCIENT OAK DR, ELGIN, IL 60124-5712 |
| Document Number | 0000029056 |
| Map Reference | DOC2006K120185 |
| Instrument Date | Apr 24, 2017 |
| Instrument | 2017K029056 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jul 27, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $324.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3638 ANCIENT OAK DR, ELGIN, IL 60124-5712 |
| Document Number | 0000029057 |
|---|---|
| Date | Jun 7, 2017 |
| Instrument | 2017K029057 |
| Name | COMPASS MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2047 |
| Rate | 4.25% |
|---|
The 2025 property tax bill for 3638 Ancient Oak Dr was $11,948 with a homeowner's exemption.
Source: Kane County assessment roll, as of December 26, 2025
| 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 | $11,948.00 Homeowner's exemption | ||
| 2024 | $140,808 Land $29,480 Building $111,328 | $422,593 Land $88,475 Building $334,118 | |
| 2022 | $10,035.00 (-0.48%) Homeowner's exemption | $114,168 (+3.51%) Land $28,476 Building $85,692 | $342,504 (+3.51%) Land $85,428 Building $257,076 |
| 2021 | $10,083.00 Homeowner's exemption | $110,296 Land $27,510 Building $82,786 | $330,888 Land $82,530 Building $248,358 |
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.
FEMA maps place 3638 Ancient Oak Dr in Zone X, an area of minimal flood risk.
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 | 4 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.
The area around 3638 Ancient Oak Dr has no burnable land within ember reach, so its wildfire risk is not rated.
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 258 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 |
| Astound Broadband Cable | 1,500 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures