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3644 Emerald Rd, Elgin, IL 60124 Property Records

Kane County property record for 3644 Emerald Rd, Elgin, IL 60124

Property Summary

Property TypeSingle Family Home
Lot Size0.284 acres (12,384 sqft)
Owner2 Individual Names on File
Last Sale$476,500 (Nov 2021)
Tax Bill$14,422 (2025)
Deeds & MortgagesNov 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN05-36-367-008

Property Details

APN / Parcel Number

Primary APN05-36-367-008

Exterior

Lot Area12,384 sqft (0.284 acres)

Location & Zoning

Street Address3644 EMERALD RD
CityELGIN
StateIL
Zip60124-8563
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionTHE PONDS OF STONY CREEK UNIT 1 (11/5/18) LT 109
Legal SubdivisionSTONY CREEK
Legal Block1
Legal Lot Number109
Legal Unit1
JurisdictionKANE IL
Township / Civil DivisionPLATO
Census Block Group1
Census Block1107
Census Tract850709

Owner

Source: Kane County records · APN 05-36-367-008

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 Record2 Individual Names on File
Mailing Address3644 EMERALD RD, ELGIN, IL 60124-8563
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 17, 2021 · Amount on Record
Deed SaleNov 17, 2021 · Amount on Record
Deed Document Number202186507
Record UpdatedSep 20, 2026

November 2021: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionKANE IL
Recording DateNov 17, 2021
Property Address3644 EMERALD RD, ELGIN, IL 60124-8563
Document Number0000086507
Map ReferenceDOC 2018K053935
Instrument DateSep 21, 2021
Instrument2021K086507
Transaction TypeTransfer
Record UpdatedAug 29, 2023
Title CompanyCALATLANTIC TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$476.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1141 E MAIN ST # ST108, ST108, EAST DUNDEE, IL 60118-2440

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address3644 EMERALD RD, ELGIN, IL 60124-8563

Mortgage

Document Number0000086508
DateNov 17, 2021
Instrument2021K086508
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term359 Months
DueOct 01, 2051
Interest
Rate3.62%

Tax Assessment & Valuation

Source: Kane County records · Assessment roll updated December 26, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateIllinois
CountyKane County
County SubdivisionPlato Township
MunicipalityElgin City
Unified School DistrictCentral Community Unit School District 301 (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$14,422.00 (-2.07%) Homeowner's exemption
2024$171,885 (+9.93%) Land $27,638 Building $144,247$515,861 (+9.97%) Land $82,947 Building $432,914
2022$14,727.00 (+8,267.61%) Homeowner's exemption$156,361 (+8,901.78%) Land $21,359 Building $135,002$469,083 (+8,901.78%) Land $64,077 Building $405,006
2021$176.00$1,737 Land $1,737$5,211 Land $5,211

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies3 in force

Wildfire

Wildfire RiskNot 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax 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.

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